Time passes quickly, and while retirement may seem far off, make sure you will be able to afford it. Get a great start on your future by investing in Emory’s retirement plan today.

What is the hardest part about investing?
Getting started. First, learn about the investment options in your retirement savings plan. What are your investment choices? How much growth do they offer? How much risk? Then determine the right combination for you. Know what your goals are and understand how different kinds of investments work together. No single investment or fund can deliver everything you need in a long-term investment portfolio.

What is an annuity?
A contract by which an insurance company agrees to make regular payments to someone for a fixed period or for life. A fixed annuity guarantees principal and a specified interest rate and may also offer dividends. A variable annuity offers no guarantee of principal repayment or rate of return because its value fluctuates based on the market performance of underlying securities.

What is a mutual fund?
A mutual fund is a pool of money accumulated from thousands of investors who purchase “shares” or “units” of the fund. A mutual fund manager determines what securities to buy and sell within the fund on behalf of the individual investors. These decisions are made with the assistance of high-quality investment research.

Is the money in my retirement account taxable?
Money contributed on a before-tax basis, Emory’s contribution and any earnings are taxable when you withdraw the money.

If I leave Emory, what are my options?
• You can leave your money in Emory’s plan.
• You may roll eligible assets over directly to another retirement plan or Individual Retirement Account (IRA) and avoid penalties.
• You can take a lump sum payment, but taxes will be withheld. In addition, you will incur a 10 percent penalty if you are under age 59.

What financial planning books do you recommend?
Several excellent books are available at bookstores and some local libraries. Check out Common Sense Guide to Mutual Funds by Mary Rowland; The Late Investor by John Wasik; The Wealthy Barber by Dave Chilton; The Courage to be Rich by Suze Orman; and Your Complete Guide to Financial Success by Larry Burkett.

For a more extensive list or more information about Emory’s retirement plan, call your benefits specialist at 404-727-7613.