1. Personal Investing Options Team 8 Oliver Ambrosia Charuka Wijesekera Quang Nyugen Brook Yared

2. Two Scenarios Two Scenarios Taking a job with a high salary Taking a job with a high salary VS. VS. Taking a job that offers benefits Taking a job that offers benefits Comparison done over a 5 year time period

3. Scenario #1: High Salary Recent Graduate of Cal Poly Pomona Recent Graduate of Cal Poly Pomona Age of Graduation: 23 Age of Graduation: 23 Job: Electrical Engineer Job: Electrical Engineer Starting Salary: $75,000 Starting Salary: $75,000 Kaiser Permanente HMO: Kaiser Permanente HMO: $50/visit $50/visit $131/month $131/month Estimated Private Health Care Cost Increase/Year: 1.5% Estimated Private Health Care Cost Increase/Year: 1.5% 401K investment before taxes: 8% 401K investment before taxes: 8% Estimated Salary Increase/Year: 5 Estimated Salary Increase/Year: 5 Estimated Inflation Increase/Year: 3% Estimated Inflation Increase/Year: 3%

4. Scenario #2: Benefit Package Recent Graduate of Cal Poly Pomona Recent Graduate of Cal Poly Pomona Age of Graduation: 23 Age of Graduation: 23 Job: Electrical Engineer Job: Electrical Engineer Starting Salary: $60,000 Starting Salary: $60,000 Estimated Salary Increase/Year: 5% Estimated Salary Increase/Year: 5% Estimated Inflation Increase/Year: 3% Estimated Inflation Increase/Year: 3% Benefit package: Benefit package: Full Health, Dental, Vision - $59.88/month Full Health, Dental, Vision - $59.88/month 401K matching: 4% of salary (before taxes) 401K matching: 4% of salary (before taxes)

5. Perks V. Cash It’s a tough decision to make…Which would you choose?