Why start saving now?

Investing involves risk, including possible loss of principal.

1 This hypothetical illustration is not intended as a projection or prediction of future investment results, nor is it intended as financial planning or investment advice. It assumes a 6% annual rate of return over 24 pay periods and reinvestment of earnings with no withdrawals. Rates of return may vary. The illustration does not reflect any associated charges, expenses or fees. The tax-deferred accumulation shown would be reduced if these fees were deducted.

2 This is a hypothetical illustration that assumes 15% federal tax rate. State and local taxes not included. Your salary, contribution rate and tax bracket may vary.

3 FOR ILLUSTRATIVE PURPOSES ONLY. Empower Institute, Scoring the Progress of Retirement Savers, April 2018. The Empower Institute is brought to you by Empower Retirement and critically examines investment theories, retirement strategies and assumptions. It suggests theories and changes for achieving better outcomes for employers, institutions, financial advisors and individual investors. The estimates include projected Social Security benefits (if available), defined benefit and defined contribution assets, personal savings, home equity and business ownership.