Decide to Enjoy the Ride

Take charge of your personal finances and work toward a secure retirement.

Decisions, decisions. How can you plan for a comfortable financial future and still feel content with what you're investing in the present? While decision making usually involves some degree of risk, informed decisions can better position you to make the right choices for your situation. The decisions you make about personal finances become significant markers that can help you take control of your savings on the road to retirement. Knowing the resources available to you and staying informed as you manage shifting, evolving financial needs can open up possibilities and help you to enjoy the ride.

Here are three things you can do to help you become more informed about your retirement savings:

  1. Develop an Effective Personal Budget Plan.
    The possibility of reaching future financial goals grows stronger when you have the clarity you need to manage your finances now. Something as simple as preparing a personal spending plan or budget to compare monthly income with expenses like mortgage and utility payments, groceries and entertainment is a good start. This way, you can better identify ways to decrease spending and potentially grow future income by increasing tax-deferred retirement plan contributions. Free budgeting worksheets are available under the Tools tab at

  2. Use Our Online Resources.
    Mutual of America's Retirement Calculators are useful tools to help find ways to reach retirement goals. Our Retirement Readiness calculator can assist you in creating your retirement plan. Our Retirement Income calculator can help determine how much monthly income your retirement savings may provide you with in retirement, and our Retirement Contribution Effects on Your Paycheck calculator allows you to see how increasing contributions to a 401(k), 403(b) or governmental 457(b) plan can affect your paycheck as well as your retirement savings.

  3. Take Advantage of Our Personal Service.
    Even after establishing an effective system of tracking income and expenses and allocating money toward the future, planning for your retirement can feel challenging. Our Participant Account Representatives can discuss your goals, answer questions about your retirement and assist you as you work toward a secure financial future. Take advantage of our personal, one-on-one assistance by contacting your local Mutual of America Regional Office representative today.

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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