Invest in Yourself

Embrace professional growth and prepare for your financial future.

Today's competitive job market requires working professionals and job seekers to anticipate the impact that advancing technology will have on their areas of interest, and to broaden their skill sets.

Educate Yourself
Woman with laptopThe good news is that available resources for educating yourself and sharpening your skills are steadily increasing. Employers are investing in education programs and development tools to "up-skill" employees, boost productivity, and attract and retain talent.*

If your employer offers an option to enroll in job-related courses, and/or has a training and development program, ask your manager if it's possible for you to participate, and whether the organization would consider paying for you to attend. Devoting your time and attention toward developing your professional knowledge could prepare you for new opportunities and lead to growth in your career.

If you're currently seeking employment, find ways to build up your resume. For example, take an online course in your area of concentration or start an industry-related blog. Be sure to update your resume with new skills you've acquired. More importantly, be ready to demonstrate how you've applied any newly acquired skills, or intend to apply them, to your professional experience.

"If your employer offers training, don't wait to be asked whether you're interested in taking a course," says Tish Cash, Senior Vice President of Human Resources at Mutual of America. "Ask your supervisor if you can participate, and be prepared to explain how learning a new skill would benefit you and your department. Requesting professional training doesn't guarantee you a spot in a class, but you can always ask."

If employer-sponsored education isn't available to you, or if your resources are limited, consider alternatives such as free online courses.

"Once you've mastered a new skill, prepare to show how you'll put it into practice," adds Cash.

This applies to skills you can use in your current position, as well as to transferrable skills. If your employer sees that you're growing professionally, it will be easier to recognize new areas where you can contribute.

Pay Yourself
As you continue to shape your career, it's crucial to keep in mind the opportunities available to you to prepare for your financial future. Contribute to your company-sponsored retirement plan as much as possible, so that you can grow your savings and build a nest egg. Gradually, work toward increasing your annual contributions. If this is challenging at first, try an initial increase of at least one percent so that you don't feel as much difference in your paycheck.

Also, some employers will match a certain percentage of your contributions, up to a specific level of your salary. That's similar to getting a raise as an incentive for saving for retirement. Find out whether a company match is available to you and, if so, consider taking full advantage of it.

Consistently looking to expand your professional skill set and keeping an active interest in maximizing your retirement plan contributions are different pursuits with a common goal: strengthening your future. Explore both avenues, and invest in yourself.

* ManpowerGroup 2018 Talent Shortage.


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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