1. Dream Big. Save Smart. Start Today.
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Good [morning/afternoon].
My name is [name], a [title] with [firm’s name].
Your employer, [employer’s name], has asked me to visit with you to talk about your retirement plan.
Let’s get started.
Figures are past results and are not predictive of results in future periods. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
© 2017 American Funds Distributors, Inc.
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2. Dream Big.
“The future belongs to those who believe in the beauty of their dreams.”
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It’s important to have dreams.
As Eleanor Roosevelt said: “The future belongs to those who believe in the beauty of their dreams.”
In fact, a dream can be the driver that points us toward a destination.
— Eleanor Roosevelt
© American Funds Distributors, Inc.

3. Dream Big. [This slide does not contain any builds.]
For many people, a comfortable retirement is a dream worth pursuing.
What will your retirement look like?

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Some people would like to travel or take up a new hobby …

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Others want to start that new career they’ve been dreaming about or get involved in the community …

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And some folks want to spend more time with family or just like to kick back and relax.

7. Save Smart. “A dream doesn’t become reality through magic. ...”
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However, just having a dream isn’t enough.
“A dream doesn’t become reality through magic …” according to General Colin Powell.
You’ve got to take action to turn your dream into a reality.
That’s what we’re going to talk about today — taking action to move closer to your retirement goal.
— General Colin Powell
© American Funds Distributors, Inc.

8. Dream Big.
Save Smart.
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9. [This slide does not contain any builds.]
Your employer’s retirement plan is here to help you pursue that “dream” retirement, whatever it may be.
Fact is, the plan is one of the most valuable benefits your employer offers you.
It’s a convenient way to help you save and invest for the retirement you desire.

10. Long-term focus Attention to risk
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Your employer has chosen American Funds as a key provider in your retirement plan.
American Funds is one of the oldest and largest mutual funds families in the country — and a key provider for your retirement plan.
Since 1931, American Funds has invested with a long-term focus and an attention to risk.
Both are keys to effective retirement investing.

11. $1.2 trillion 56 million in assets under management*
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American Funds has more than $1.2 trillion in assets under management as of December 31st, 2016.
Nearly half of the 56 million accounts at American Funds are invested for retirement.
56 million
investor accounts*
* As of 12/31/2016.

12. Convenient and EASY [This slide does not contain any builds.]
Your retirement plan offers a range of benefits.
First, saving in your plan is convenient and easy.
Just decide how much you can afford to invest and it’s deducted from your paycheck — automatically.
In addition, contributing to your retirement plan reduces your taxable income.
© American Funds Distributors, Inc.

13. (assuming 25% tax bracket)
Save Before Tax
$100 contribution =
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What’s more, your contributions are taken out of your paycheck before taxes are calculated.
[CLICK]
So, for example, a $100 contribution to the plan is $100 that goes right to work for you in your account.
It may cost you only $75 in actual take-home pay — assuming that you pay 25% in taxes.
You don’t have to pay taxes on that money until you take it out at retirement, when it’ll be subject to ordinary income taxes.
And keep in mind there could be a 10% federal tax penalty for early withdrawals.
$75 in take-home pay
(assuming 25% tax bracket)
© American Funds Distributors, Inc.

14. Your Money Can Make Money.
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And perhaps the best advantage of your retirement plan is that, through the magic of compounding, your money has the potential to grow more over time.
© American Funds Distributors, Inc.

15. OPTIONAL FOR PLANS WITH AN EMPLOYER MATCH
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And here’s more good news: your employer adds to what you invest — increasing your chances of reaching your goals.
[CLICK]
The more you contribute, the more your employer chips in, up to a certain amount. It’s like you’re getting paid to save for your future.
Ask your employer about the match for your plan.
© American Funds Distributors, Inc.

16. [This slide does not contain any builds.]
It’s easy to start saving in your plan.
All you need to do is address two basic questions ...
© American Funds Distributors, Inc.

17. How Can I Choose My Investments?
How Much
Should I Save?
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First: How much should you save for a comfortable retirement?
[CLICK]
And second: How can you choose your investments?
How Can I Choose My Investments?
© American Funds Distributors, Inc.

18. How Much Is Enough? How much should I save?
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Let’s tackle the first question.
So, how much is enough?
[CLICK]
When thinking about how much you should save, consider your own unique situation.
Let’s take a look at three scenarios.
How can I choose my investments?
© American Funds Distributors, Inc.

19. I’m contributing the maximum and making catch-up contributions.
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This gentleman is over 50 and he’s able to make the maximum contribution amount to his plan. And because he’s over 50 years old, he’s allowed to save even more through additional catch-up contributions. Retirement isn’t far away for him, and saving the maximum can make a big impact over time.
Let’s look at another scenario.
© American Funds Distributors, Inc.

20. I’ve increased my contributions gradually a little at a time.
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Here’s an example of a person who couldn’t afford to immediately start making contributions to her retirement plan. She started paying off her credit card debt and student loans first. Then later, she began participating in her plan and gradually increased her contributions. When she received a raise, she took some of it and added it to her contribution. And over time, those small increases have added up and made a difference in her account value.
© American Funds Distributors, Inc.

21. I save 8% of my pay now ̶ on my way to my goal of saving 10%.
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Contributing the maximum isn’t an option for this person now, but contributing 8% fits her budget. She started at 5% and is striving to reach 10%, which is her goal. Because she’s increased her contributions by 1% each year, she hasn’t noticed a dent in her paycheck. Over time she’s seen her account balance grow.
In these three scenarios, all of the people are saving smart: They started small, set short- and long-term goals for themselves, and over time they’ve boosted their contribution amounts.
© American Funds Distributors, Inc.

22. Visit americanfundsretirement.com
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Those are just a few examples of how much different investors save in their plan.
If you find you need help in determining the amount you should contribute, try the Retirement Roadmap at americanfundsretirement.com.
[CLICK]
This easy-to-use tool can help you create a personalized estimate of what you may need in retirement … and can show you how much you should consider contributing to the plan.
Visit americanfundsretirement.com
© American Funds Distributors, Inc.

23. A Little Can Go a Long Way
If You Contribute
15%
10% 6%
Contributions every two weeks
$ 260
$ 173
$ 104
Contribution amount at year-end
$ 6,750
$ 4,500
$ 2,700
Monthly retirement withdrawals
In 10 years
$ 345
$ 230
$ 138
In 20 years
$ 1,112
$ 741
$ 445
In 30 years
$ 2,816
$ 1,878
$ 1,127
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Regardless of the amount you decide to contribute to your plan, the important thing is to start contributing as soon as possible.
As you can see by this chart, even a little can go a long way. And you can always increase your contributions when you’re able.
[CLICK]
See for yourself what just 10% contributions from a $45,000 salary could mean in 10, 20 and even 30 years.
The example above assumes an annual salary of $45,000. Values are for illustrative purposes only and do not reflect the results of any particular investment, which will fluctuate with market conditions, or taxes that may be owed on tax-deferred contributions, including the 10% penalty for withdrawals taken before age 59½. An 8% average annual return rate, compounded every two weeks, is assumed. Monthly retirement withdrawal reflects an annual withdrawal rate of 4% of the account balance divided by 12. The estimate does not take into account certain factors, including changes to the employee contributions, required minimum distributions and post-retirement taxes. These are point-in-time views and as such do not take into account any growth or loss during retirement. Without investment growth/loss during retirement, a 4% annual withdrawal rate would deplete retirement savings in 25 years. Estimated withdrawal calculations are not intended to reflect actual results; your results may vary. Regular investing does not ensure a profit or protect against loss in a declining market. Please consult your financial professional for any questions you may have about your situation. 
For illustrative purposes only. Your experience may differ.

24. How Can I Choose My Investments? How Can I Choose My Investments?
How Much
Should I Save?
How Much
Should I Save?
How Much
Should I Save?
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Now let’s look at the second question: How can I choose my investments?
Let’s keep it simple.
How Can I Choose My Investments?
How Can I Choose My Investments?
How Can I Choose My Investments?
© American Funds Distributors, Inc. 24

25. Select a Target Date Fund
You Have Two Options
Select a Target Date Fund or
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You essentially can move in one of two directions:
[CLICK]
You can pick a single target date fund — if your plan offers target date funds. These are ready-made portfolios that adjust as you get older.
Or, if you prefer, you can build your own portfolio using the investments in your plan.
Let’s take a look at both of these options.
Build Your Own Portfolio

26. Select a Target Date Fund
I don’t want to make decisions on how different investments work together.
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You can choose a target date fund. A target date fund serves as a single diversified retirement investment, and consists of a diverse mix of funds with varying risk-and-return characteristics.
Investment professionals manage each target date fund portfolio, adjusting it from a more growth-oriented focus to a more income-oriented focus as the target date approaches. Some target date funds will continue to be managed professionally years beyond the projected target retirement date.
This man feels like a target date fund is a good choice because:
He prefers a simplified approach to investing.
He wants to invest in a ready-made portfolio that’s specifically designed with his retirement date in mind.
He doesn’t want to make decisions on how different investments work together. 26

27. Consider a Target Date Fund
Choosing one is easy
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It’s easy to select the target date fund that’s right for you. Simply find the year you were born, then move to the year you expect to retire and may begin taking withdrawals … and then match it with the corresponding fund. That fund can act as your complete diversified portfolio.
For example, [CLICK] if you’re 35 years old and expect to retire in 30 years, a 2045 fund could be an appropriate choice. Keep in mind that although the target date funds are managed on a projected retirement date time frame, there is no guarantee that your retirement goals will be met. For more detailed information on target date funds, visit targetdatesimplified.com..
For more information, visit americanfundsretirement.com 27

28. Build Your Own Portfolio
I want to choose my own mix of investments.
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Now, if a target date fund isn’t right for you, you can build your own portfolio instead, putting together a mix of investments.
Each individual fund has its own investment objectives and risk-and-reward characteristics.
[CLICK]
This person feels confident putting together her own portfolio because:
She wants to choose her own investments.
She can use a sample model as a guide for selecting a mix of funds.
She wants to tailor an investment portfolio with her specific financial goals in mind.
Your plan’s financial professional can assist you if you need help in selecting your investments.
Let’s take a look at how investors can use sample models. 28

29. Start With Sample Models
Jeff: 20 years or more until retirement
Bond 5%
Growth 40%
Growth and Income 35%
Equity Income/ Balanced 20%
Growth Oriented
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Here’s an example of a younger person with several decades of saving in his future.
He’s using a sample model that’s more weighted toward growth.
With more than 30 years to retirement, Jeff chooses investments that have the potential for higher returns. He knows he may suffer short-term drops in his account, but that’s okay. Time is on his side and he is sticking to his goals.
Sample models, developed by investment professionals at American Funds, emphasize an investor’s time horizon and take into account the historic returns of the different investment types (growth, growth-and-income, equity-income/balanced and bond investments). Specifically, the models seek to balance total return and stability over time. When evaluating particular asset allocation models for your individual situation, you should consider your risk tolerance, as well as other assets, income, and investments (e.g., equity in a home, Social Security benefits, individual retirement plan investments, savings accounts, and interests in other qualified and non-qualified plans) in addition to any investments in the plan.

30. Start With Sample Models
Julianna: 5 to 20 years until retirement
Jeff: 20 years or more until retirement
Balance Between Growth and Income
Bond 25%
Growth 20%
Growth and Income 35%
Equity Income/ Balanced 20%
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Here’s an example of a mid-career person who’s looking for more balance in her portfolio.
Julianna is about 10 years from retirement and realizes that she needs to have a balance between growth investments and those that seek income. Getting the right combination is important for her.
Sample models, developed by investment professionals at American Funds, emphasize an investor’s time horizon and take into account the historic returns of the different investment types (growth, growth-and-income, equity-income/balanced and bond investments). Specifically, the models seek to balance total return and stability over time. When evaluating particular asset allocation models for your individual situation, you should consider your risk tolerance, as well as other assets, income, and investments (e.g., equity in a home, Social Security benefits, individual retirement plan investments, savings accounts, and interests in other qualified and non-qualified plans) in addition to any investments in the plan.

31. Start With Sample Models
Fred: 5 years or less until retirement
Income Oriented
Bond 35%
Growth 15%
Growth and Income 30%
Equity Income/ Balanced 20%
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In our third scenario, this gentleman is just a couple of years from retirement, so he’s reducing growth-oriented investments and increasing his bond holdings.
Fred is retiring in two years. He has seen it all in the years he has been investing — good results and bad. He can’t afford dramatic swings in his account, so now his portfolio is more income-oriented.
Sample models, developed by investment professionals at American Funds, emphasize an investor’s time horizon and take into account the historic returns of the different investment types (growth, growth-and-income, equity-income/balanced and bond investments). Specifically, the models seek to balance total return and stability over time. When evaluating particular asset allocation models for your individual situation, you should consider your risk tolerance, as well as other assets, income, and investments (e.g., equity in a home, Social Security benefits, individual retirement plan investments, savings accounts, and interests in other qualified and non-qualified plans) in addition to any investments in the plan.

32. Start Today. “The secret of getting ahead is getting started.”
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Mark Twain said: “The secret of getting ahead is getting started.”
That’s why it’s so important to start today.
— Mark Twain
© American Funds Distributors, Inc.

33. Dream Big. Save Smart. Start Today.
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We hope you’re motivated to enroll in your plan now.
[CLICK]
Near the end of your enrollment book, you’ll see a worksheet titled “Take Action.”
Follow the directions on this worksheet and write down what you plan to do.
Next, turn to the application that’s in the back of the book.
Complete this form and give it to your employer or me.
For some plans, you may be able to enroll online or via the telephone. You can check with your employer for details.

34. Dream Big. Save Smart. Start Today.
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What matters most is that you start saving for a comfortable retirement for yourself.
It’s definitely a dream worth pursuing.
I’d be happy to take your questions at this point.
© American Funds Distributors, Inc.

35. Important Information
A program of regular investing does not ensure a profit or protect against loss, and you should consider your willingness to keep investing when mutual fund share prices are declining.
When choosing your investments, you should also take into account your risk tolerance as well as other assets and any investments outside the plan, such as your home equity, IRAs and savings accounts.
Sample models, developed by investment professionals at American Funds, emphasize an investor’s time horizon and take into account the historic returns of different types of investments (growth, growth and income, equity income/balanced and bond). Specifically, the models seek to balance total return and stability over time.
Although the target date funds are managed for investors on a projected retirement date time frame, the funds’ allocation approach does not guarantee that your retirement goals will be met. The target date is the year in which an investor is assumed to retire and begin taking withdrawals.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other information is contained in the funds’ prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
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36. [This slide does not contain any builds.]
It’s been a pleasure being here today.
Thank you for your time.
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