Choosing the right mix
Mutual of America's Traditional IRA permits you to allocate your money among an Interest Accumulation Account and a range of Investment Alternatives. The availability of a number of investment choices recognizes that people have different comfort levels with respect to risk and return, as well as different goals regarding retirement. The Investment Alternatives available under Mutual of America's IRA allow you to choose the mix of equity, fixed income, balanced and interest options that best suit your personal risk tolerance and financial goals.

You direct Mutual of America to place your Traditional IRA contributions in one or more of these Investment Alternatives or in the Interest Accumulation Account. Some of the Investment Alternatives are internally managed by Mutual of America Capital Management Corporation, the others by carefully selected outside investment companies.

Your investment performance in any of the Separate Account Investment Alternatives is not guaranteed and your contributions may decrease as well as increase in value.

Mutual of America pension and retirement savings products allow for contributions to be allocated among the insurance company's General Account and a wide array of Separate Account Investment Funds. The Investment Funds purchase shares of underlying mutual funds or portfolios which include the 23 funds of the Mutual of America Investment Corporation, Fidelity Investments Variable Insurance Products Funds: Mid Cap Portfolio, Equity-Income, Asset Manager and Contrafund Portfolios, DWS Variable Series I: Bond, Capital Growth and International Portfolios, American Century VP Capital Appreciation Fund, Calvert Social Balanced Portfolio, Oppenheimer Main Street Fund®/VA and Vanguard Variable Insurance Fund: Diversified Value and International Portfolios. These underlying funds or portfolios sell their shares to separate accounts of insurance companies and are not publicly available. Some contracts issued under retirement plans limit the available Investment Funds or restrict their use when contributions for a participant have not vested to the participant.

*Mutual of America Separate Account No. 2 is available under group annuity contracts for Tax-Deferred Annuities, Section 457 plans, and Thrift plans, and under individual annuity contracts for Individual Retirement Annuities and Flexible Premium Annuities. Additional information on Mutual of America Separate Account No. 2 and our variable accumulation annuity contract can be found by downloading the prospectus below.

**Fidelity VIP refers to Fidelity Variable Insurance Products Funds.

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