Minimize Inflation's Bite

What $10,000 will be worth in 2, 10 and 20 years assuming a 3% constant rate of inflation.
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This chart is for illustrative purposes only. The rate of inflation may be higher or lower than the rate shown here.

When was the last time you thought about inflation? If you're like most people, it's been a while. That's because inflation, loosely defined as the decline in purchasing power of your money over time, has been running at low levels in recent years.

However, over time even mild inflation can eat away a substantial portion of your savings and investments. The chart below shows what $10,000 will be worth in 2, 10 and 20 years assuming a modest 3% rate of inflation. This means if you're planning for a 20-year retirement, you'll need almost twice as much money in your 20th year to maintain the same standard of living you enjoy in your first year of retirement.

That's one of the many reasons why it's so important to contribute as much as possible towards your retirement. And remember, any interest and/or investment earnings from your contributions accumulate on a tax-deferred basis until they are withdrawn.*

To learn more, call your local Mutual of America Regional Office today.

*Withdrawals are subject to income tax at your ordinary income tax rate at the time of withdrawal, and if made prior to age 59½, a 10% federal tax penalty.


Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and the underlying investment funds. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses. Please read the contract prospectus or brochure and underlying fund prospectuses and summary prospectuses carefully before investing. The contract prospectus or brochure and underlying fund prospectuses and summary prospectuses can be obtained by mail or by calling 1-800-468-3785.

Mutual of America's group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should carefully consider a variable annuity contract's other features before making a decision.



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