1. Let Your Employer Boost Your Savings.
[Note to financial professional: Please refer to slide.]
Let Your Employer Boost Your Savings.
Content contained herein is not intended to serve as impartial investment or fiduciary advice. The content has been developed by Capital Group which receives fees for managing, distributing and/or servicing its investments.
Investments are not FDIC- insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
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© 2017 American Funds Distributors, Inc.

2. Insert image of grocery shopping, or some situation where you might get a buy-one-get-one-free deal.
How many of you enjoy taking advantage of a buy-one-get-one-free deal? I know I do.
Whether you’re buying groceries or eating at a restaurant, it’s nice to get a little something extra.
Most of us try to be smart shoppers, stretch our dollars and get the most bang for our buck.
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3. Your Retirement Plan Offers an Employer Match
When you contribute …
…your employer matches.*
What if I told you that your employer offers a similar incentive to participate in the company retirement plan? It’s true. It’s called an employer match.
[Note to financial professional: Refer to slide.] It’s really pretty simple: When you save some of your paycheck by putting money into your plan, your company also matches a certain portion of your contributions. To get the match, all you need to do is contribute.
With these match contributions, your balance has the opportunity to grow faster, which can help you move closer to your retirement goals.
A retirement plan’s matching formula dictates the percentage of employee contributions that will be matched up to a specific percentage of pay.
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4. In a Recent Study,
Unfortunately, many employees aren’t getting this extra contribution.
[Note to financial professional: Read statistic on slide.]
Saving enough money for retirement isn’t easy. You have competing debts and goals for those paycheck dollars. If you can afford to, why not take advantage of your employer's generosity by doing what it takes to get all the matching dollars available to you?
25% of employees missed out on receiving the full company 401(k) match by not saving enough.
Source: “Missing Out: How Much Employer 401(k) Matching Contributions Do Employees Leave on the Table?,” financial engines, May 2015.
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5. over 40 years could mean an additional
On an average salary,*
a 3% match
over 40 years could mean an additional
Now, you might be thinking that missing out on a match of 3% or 4% from your employer isn’t that big of a deal.
It may not seem significant when you think about one or two pay periods, but let’s take a look at what it could mean over time.
[Note to financial professional: Read hypothetical projection on slide.]
That 3% match over 40 years could mean an extra $1,500 a month in retirement. That’s money that could be important to you down the road.
$1,573/month
at retirement.
* Assumes a starting salary of $43,000 and a 2% annual pay increase. Example is based on a common match formula: the employer matches 50% of all contributions up to 6% of pay. Additional information about hypothetical examples disclosed later in presentation.
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6. Understand Your Employer’s Match
At what rate will your employer match your contributions?
Up to what percent of your salary will your employer match?
When are the company-matching contributions made?
Is there a vesting schedule applied to your matching contributions?
Now let’s review the details of your employer’s match by answering a few key questions. You can find the answers to these questions in your summary plan description (SPD), which is available from your employer. It's important to take time to understand your employer's match.
[Note to financial professional: Review the questions on the slide and provide the answer to each based on the company’s retirement plan. Reference the plan’s SPD for detailed information about the plan’s matching provision.]
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7. Know What It Takes to Get the Full Match
Now that you have a better understanding of your company’s matching formula, you should know what it takes to get the full match.
In a nutshell, you need to contribute at least [X]% of your pay [Note to financial professional: State the percentage of pay that an employee must save to get the full match.] in order to get the maximum matching contribution.
Think about the amount you're comfortable saving. Keep in mind that taking steps to receive the full match can help you reach your retirement goals.
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8. monthly retirement withdrawals monthly retirement withdrawals
Getting the Full Match Can Make a Big Difference
$4,719
monthly retirement withdrawals
Getting some of the match money is great. But if you can afford to contribute a bit more, the difference between getting only half the match and getting the full match is considerable over time.
Let’s take a look at an example. [Note to financial professional: Refer to slide.]
Sandra and Andre work for the same company and earn the same salary. Their retirement plan offers a 50 cent match for every $1 they contribute, up to 6% of pay.
Sandra saves 3% and is rewarded with a 1.5% employer match. Andre, on the other hand, is able to save more. When he saves 6%, he qualifies for the full employer match of 3%. Look how his monthly retirement withdrawals double as a result of saving 3% more.
You can see why you should go for the full match if you can — the numbers show that it could be worth your while.
Sandra receives a partial match.
She saves 3% and gets a 1.5% employer match.
Andre receives the maximum match.
He saves 6% and gets a 3% employer match.
$2,359
monthly retirement withdrawals
Employee contributions (with earnings)
Employer match (with earnings)
These examples assume a starting salary of $43,000, a 2% annual pay increase and a 40–year accumulation period. See the back cover for more hypothetical assumptions.
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9. “If a window of opportunity appears, don’t pull down the shade.”
Thomas J. Peters business speaker and writer
[Note to financial professional: Read quote on slide.]
The opportunity to have your employer boost your savings is before you.
I invite you to take a look at what you’re able to save. Try to get as many employer-matching dollars as you can. If you’re able, save enough to get the full employer match. You may thank yourself later.
© American Funds Distributors, Inc.

10. American Funds Is a Key Provider for Your Retirement Plan
Since 1931, American Funds has invested with a long-term focus and attention to risk.
Nearly half of the 56 million investor accounts in the American Funds are retirement accounts.
Your employer has selected a key provider for your retirement plan — American Funds from Capital Group.
There are 56 million investor accounts in the American Funds, and nearly half of those are retirement accounts.
Since 1931, American Funds has invested with a long-term focus and attention to risk — both are key to effective retirement planning.
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11. Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
All hypothetical examples assume an 8% average annual return compounded monthly and a 4% annual withdrawal rate after the accumulation period. 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. Examples are for illustrative purposes only and do not reflect the results of any particular investment, which may differ, or taxes that may be owed on tax-deferred contributions, including the 10% penalty for withdrawals taken before age 59½. Regular investing does not ensure a profit or protect against loss in a declining market.
[Note to financial professional: Refer to slide. Give your audience time to read important disclosure.]
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12. For financial professionals only. Not for use with the public.
[Note to financial professional: Thank audience for attending and let them know how to get in touch with you if they need further assistance.]
For financial professionals only. Not for use with the public.
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© 2017 American Funds Distributors, Inc.