Right For You

Clear Passage Funds

Is a Clear Passage Fund Right for You?

If you answer yes to all of the following questions, you may want to consider one of the Clear Passage Funds:

  • If you choose a target-date Clear Passage Fund, do you plan to keep your investment in this Fund until the target retirement date?
  • Will you be able to tolerate the inevitable market swings?
  • If you choose a target-date Clear Passage Fund closest to when you want to retire, do you want a Fund that becomes more conservative as you approach your retirement date?
  • Do you want an investment that is periodically rebalanced for you?
  • Do you understand and find acceptable the risks of investing in equities and fixed income?

Questions? To learn more about how MoA Clear Passage Funds might fit into your retirement planning, speak with a Participant Account Representative. They can help you understand the features and objectives of Clear Passage Funds. Contact your local Mutual of America office or call 800.468.3785.

The value of a Clear Passage Fund is not guaranteed at any time, including at and after the target date. There is no guarantee that a Clear Passage Fund will correctly predict market or economic conditions, and as with other mutual fund investments, you could lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal circumstances and complete financial situation before investing.

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 800.468.3785 or visiting mutualofamerica.com. Read them carefully before investing.

Mutual of America's group and individual retirement products that are variable annuity contracts 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.