The $5,000 Question

What would you do if someone gave you $5,000? Pay off debt? Splurge on a vacation? How about both? And, while you're at it, boost your retirement savings, too!

Ok, if you're in your 20s, it's true that retirement may be ridiculously far away. But if you're 25 or younger, check this out: even if you used $4,000 to pay bills like rent and student loans, and maybe also to join a gym or go on a weekend getaway, if you put the remaining $1,000 into your retirement savings, it could grow to more than $10,000 by the time you retire.

As hard as it is to think about saving now, when you're just beginning your career, keep this in mind: the sooner you start, the more time your savings will have to grow and the more money you are likely to have at retirement.

To learn more about saving for retirement, call your local Mutual of America Regional Office representative.

This hypothetical example is for illustrative purposes only and does not represent any actual investment performance, price or yield. This illustration assumes a beginning balance of $1,000 at age 25, assumes no increase in earnings and has an annual rate of return of 6% through age 65. Investment returns are not guaranteed, and your actual return may vary significantly from that shown.


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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