Saving For Retirement

Monica and Doug

Age: Early 40s
Goal: Retire in about 20 years

Monica and Doug have $80,000 saved for retirement in various accounts and want to grow that money over the long term to maximize their retirement nest egg. Stocks may be appropriate for them since they won't need the money for quite some time and since stocks have historically done better than other types of investments over the long term.

One Fund would be a nice choice for Monica and Doug. They could easily create and build a well diversified stock portfolio by including One Fund within each of their accounts without the hassle and guess work of trying to pick different stocks and mutual funds all on their own. They know it will be professionally managed and on-goingly monitored while seeking solid long term results.

Just Starting Out

Paul

Age: 28
Goal: Start An Investment Plan

Paul is just starting out and hasn't saved very much yet, but with his recent salary increase, he wants to start putting away some money. He knows that the earlier he starts saving - even if it's a small amount - the better because the money will have more time to grow before he needs it. Paul isn't very familar with investing and doesn't have a lot of time to research and manage his investments.

One Fund may fit well with Paul's goal of growing his savings over time since he can buy One Fund and get a diversified, professionally managed stock portfolio all with a single purchase. It's perfect for his busy lifestyle. Paul can buy One Fund shares as he accumulates more money to invest and leave the rest to us.

Nearing Retirement Or Retired

Richard and Barbara Jo

Age: Late 50s
Goal: Keeping Their Savings Growing Through Retirement

Barbara Jo and Richard are nearing retirement. They used to invest all their money in stock mutual funds, but now they want to shift more of their retirement savings to bonds for safety and invest less in stocks.

They believe that keeping at least some of their money in stocks would be a good idea because stocks historically grow at a rate faster than bonds. They want to make sure that what they have to retire on will keep up with inflation and last them into their 80s and beyond.

One Fund may be a good choice for the stock portion of Barbara Jo and Richard's retirement savings. In one purchase they would typically have a low cost, diversified stock investment without worrying about what stocks or funds to buy.

Gift and Trust Accounts

Lorraine

Age: 68
Goal: Helping Her New Grandchild

Lorraine is excited about becoming a new grandma. She has setup a gift account in her grandchild's name and put $2,000 into the account. She plans to contribute to it every year so that her grandchild, Christina, will have money for college or perhaps a first house some day.

The gift money won't be needed for a very long time and Lorraine wants to invest it in something that will have the greatest growth potental long term. Stocks are probably a good choice since they have historically outperformed other investments over the long term.

But Lorraine knows that trying to pick individual stocks or following the hot trend of the moment is not a smart way to invest. She wants a long term approach that gives her an opportunity to receive returns close to the overall stock market.

One Fund may be designed well for Lorraine's needs. It invests in stocks and follows a buy and hold approach. Its goal is to keep costs low so more of her gift money will be there for her grandchild and less eaten away by management fees and expenses.