Worried about the markets? 
Whenever market volatility occurs, a loss in your retirement account can be disheartening. There are steps you can take NOW to help you stay on track to help meet your retirement plan objectives. However, in today's environment you are under more pressure to make wise decisions regarding your retirement plan. When combined, these strategies can help you keep your retirement account on track and help you realize your retirement dreams.

• Consider increasing your contributions
• Make steady and consistent contributions
• Target a desired return while potentially minimizing investment risk

Now may be the time to save more through increased contributions to your retirement plan.
The amount of money you’re putting into your retirement account buys you more shares when the market is down and less shares when the market is good.  In addition to acquiring shares at a possibly lower average, you’ll receive immediate advantages when you make your retirement plan contributions through payroll deduction in a tax-qualified plan at work.

• Lower current income taxes
• Increased spendable income
• Potential for tax-deferred compounding on your savings

Time is money… especially when contributing to your retirement plan.
Start early and consider contributing as much as possible.  Time and tax deferral can make even small monthly sums multiply over the years. The sooner you start saving, the more your retirement plan assets have time to grow.