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Planning for Your Retirement
 
You work hard and the time will come when you can enjoy your retirement - if you've put a retirement plan in place along the way. If you haven't, we can help you start your plan as soon as possible.
 
Simply sit down with your Foresters representative and discuss your needs.
 
Making sure you'll have enough income for the kind of retirement you desire will require thought and effort. You'll need to consider retirement costs, government and retirement benefits.
 
You can start by looking at your current income and then make adjustments to reflect the lifestyle changes you expect after you retire. For example, your health care costs may go up; you may want to increase your travel budget or you may no longer have mortgage or education savings payments; and you'll need to consider the effects of inflation and taxes on your retirement savings.
 
Increasing the monthly amount you invest in your future - even modest amounts - can add up over time. A regular amount invested over your working life is a far more effective way to build up your retirement savings than lump sum contributions to catch up for lost time when you are approaching retirement.
 
If you're thinking of investments1,2, it's important to understand your risk tolerance, which will help indicate your investment style.
 
Planning for your retirement? A Foresters representative can help:
 
 
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1 In the United States, investments are offered through Foresters Equity Services, Inc., Member NASD, SIPC, 6640 Lusk Blvd. Suite A-202, San Diego, CA 92121. T. 858 550 4844; a wholly owned subsidiary of The Independent Order of Foresters.
 
2 In Canada, mutual funds are offered through Foresters Securities (Canada) Inc., a wholly owned subsidiary of The Independent Order of Foresters, 789 Don Mills Road, Toronto, Canada M3C 1T9. Only available to residents of Alberta, B.C. and Ontario.
 
Excerpted from FORESTERS Magazine, May 2004.
 
403169 CAN/US (08/04)
 


Foresters Sales Agents do not give legal, tax, or estate planning advice. The information given here reflects our understanding of current laws and regulations. Prospective clients should contact their own legal, tax or estate planning advisor(s) on their specific situations. Product information is based on the general version except where state variations may apply.

ForestersTM is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9; its subsidiaries are licensed to use this mark.