Make It Easier to Manage Your Retirement Savings.
Consolidate Your Retirement Accounts!

Consider the advantages of our Rollover IRA, a variable annuity contract.

  • It’s easier to manage your investments and review your overall performance with one account instead of several.

    Fewer accounts may also result in lower account maintenance fees, so more of your money can remain in your account and continue to grow for your future financial security!

    Before rolling over funds from plans with other providers, you should review the accounts you have with them to determine the fees and expenses you currently pay and whether there are any surrender charges that may result and to ensure that it is in your best interest to roll over your other accounts to a Rollover IRA.

  • A diverse choice of well-known investment fund families and styles, including
    Target-Date Retirement Funds to help simplify your investment decisions.*

    Mutual of America Investment Corporation

    The performance of the Separate Account investment funds is not guaranteed, and any assets allocated to them may decrease or increase in value.

  • Plus, an Interest Accumulation Account that guarantees your principal and previously credited interest to protect you against market risk.

    This guarantee is subject to Mutual of America’s financial strength and claims-paying ability.

  • No withdrawal or surrender fees and no sales commissions.

    There is a contract fee (unless you elect to receive documents electronically), and investments in the Separate Account investment funds are subject to Separate Account charges and underlying funds investment management fees and expenses. Withdrawals are subject to income tax at your ordinary income tax rate at the time of withdrawal, and if made prior to age 59½, a 10% federal tax penalty.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the contract and the underlying investment funds. This and other information is contained in the contract prospectus and underlying funds prospectuses and summary prospectuses. Please read the prospectuses and summary prospectuses carefully before investing. The prospectuses and summary prospectuses can be obtained by mail or by calling 1-866-939-7655.

Mutual of America’s Rollover IRA is an individual variable annuity contract and is suitable for long-term investing, particularly for retirement savings. The value of your 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 Rollover IRA by applicable tax law. You should carefully consider the contract’s other features before making a decision.

*The target date set forth in each Retirement Fund’s name is the approximate date that the fund expects investors to retire and begin withdrawing their account balance. The value of a Retirement Fund is not guaranteed at any time, including at and after the target date. There is no guarantee that a Retirement 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.

Form IRA-2004 or applicable state variation
HRTD0119



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