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Retirement and Investment

Florida Retirement System Workshop Videos

Using the FRS to Plan for Your Retirement

Nearing Retirement in the FRS

Cash & Debt Management: Smart Spending

Estate Planning - Caring for Your Loved Ones

What types of investing products are available?

You may choose from several types of investment products for your 403(b) or 457(b) retirement savings. The different investment products listed below represent the majority of all account types currently available. The 401(k) plan is limited to mutual fund investment options only. The assistance of a professional representative could help you chart a course for successful investing. Note that each investment product has specific provisions and advantages associated with its use.

Overview of Investment Products
  Standard Interest Annuity Equity Index Annuity Variable Annuity Mutual Funds
Risk Stable Stable to Low Moderate Moderate to Aggressive Moderate to Aggressive
Minimum Rate of Return Minimum guarantee on all principal Minimum rate on portion of principal over specified period of time Subject to performance of investment accounts Long-range returns subject to account performance
Current Interest or Return on Deposits Credits current rate of interest Different methods of crediting interest exist based on varying market indices Interest bearing with guarantee available as one of the investment choices Subject to performance of investment accounts selected
Fees Charges Usually no front-end sales charges or fees Usually no front-end charges or fees May include mortality and expense fees and investment management fees May include sales charges and investment management fees
Surrender Charges Common for early withdrawals Common for early withdrawals Common for early withdrawals Some share classes may have contingent deferred sales charges
Loan Provisions Usually Included Usually Included Usually Included Sometimes Included

For all Authorized Investment Providers and information, go to www.tsacg.com


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