Your Wallet and the Environment

Here are five ways that being environmentally friendly can help save you money.

You may already know that April 22 is Earth Day around the world. But did you know that being conscious of how your spending impacts the environment is often the most financially sound move you can make? Here are some examples of steps you can take to conserve energy, reduce pollution and increase your savings in the process.

1. Reimagine Your Commute
Reducing the amount you drive not only helps reduce pollution, but also reduces the amount of money you spend on gas. Instead of driving yourself to and from work, try carpooling, using public transportation or biking. When traveling short distances, consider walking.

2. Program Your Thermostat
You can save up to 10% on your cooling and heating costs annually by using a programmable thermostat. Keeping your home just a little cooler in the winter and a little warmer in the summer while you are sleeping or away can make a difference in savings and conserve energy.

3. Cut Your Water Bill
There are plenty of ways to reduce your water bill. Some options include washing your car less often and choosing showers over baths. If you enjoy gardening, you can even capture water for your plants in a rain barrel.

4. Bypass Single-Use Products
Instead of buying bottles of water or other drinks at work, try filling a reusable bottle. You can also use fewer paper towels by using sponges and rags to clean up and washcloths for your face instead of wipes.

5. Sharing Is Caring (and Saving)
Items that go through the process of production, packaging, shipment and delivery can take a toll on the environment. For things you'll likely only use once, try renting or sharing rather than buying your own. A dress or suit for a special event, for example, can easily be rented. Working on a home project? Consider borrowing a power tool from a neighbor, if possible.

You should consider the investment objectives, risks, and charges and expenses of the variable annuity contract and the underlying investment funds carefully before investing. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses, which can be obtained by calling 1-800-468-3785 or visiting Read them carefully before investing.

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 options 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 consider a variable annuity contract's other features before making a decision.

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