OneAmerica: Elevate Your 401(k) for a Secure Retirement Path

Maximize Your Retirement Potential with OneAmerica 401(k)

Introduction

Retirement planning is a crucial aspect of financial well-being, and a 401(k) plan plays a pivotal role in securing your future. OneAmerica, a leading provider of financial solutions, offers a comprehensive 401(k) plan designed to empower you in building a comfortable and financially secure retirement.

Benefits of OneAmerica 401(k)

• Amplify Your Savings: Take advantage of tax-advantaged contributions to boost your retirement savings and reduce your current tax burden.
• Employer Matching: Enhance your savings further with potential employer matching contributions, effectively increasing your retirement fund.
• Investment Flexibility: Choose from a wide array of investment options to suit your investment strategy and risk tolerance.
• Professional Management: Trust experienced investment professionals to manage your portfolio, ensuring optimal returns while minimizing risk.
• Personalized Planning: Receive customized retirement planning advice from OneAmerica's team of experts, tailoring your plan to meet your unique goals.

Why it Matters

• Secure Your Financial Future: A well-funded 401(k) provides a financial cushion during your golden years, protecting you from unexpected expenses and ensuring a comfortable lifestyle.
• Reduce Tax Burden: Tax-deferred contributions and qualified withdrawals offer tax savings, optimizing your financial standing.
• Achieve Financial Independence: Building a substantial retirement nest egg empowers you to retire with confidence, without relying on government assistance.
• Peace of Mind: Knowing that you have a solid retirement plan brings peace of mind and allows you to focus on enjoying your present.

Pain Points and Motivations

• Retirement Savings Gap: Many individuals face a significant gap between their retirement savings and their desired retirement lifestyle.
• Tax Implications: Understanding the complex tax implications of retirement planning can be daunting, leading to missed opportunities for savings.
• Investment Uncertainty: Navigating the complexities of investment decisions can be challenging, especially without professional guidance.
• Desire for Growth: Individuals seek a secure and rewarding retirement, free from financial constraints.

Tips and Tricks

• Maximize Contributions: Contribute as much as possible, taking advantage of employer matching and tax-advantaged savings.
• Diversify Investments: Spread your savings across different asset classes to reduce risk and optimize returns.
• Seek Professional Advice: Consult with a financial advisor to create a tailored plan and address any concerns.
• Review Regularly: Periodically review your retirement goals and adjust your plan as needed to ensure alignment with your financial trajectory.

Conclusion

OneAmerica 401(k) is an indispensable tool for building a secure and financially prosperous retirement. By leveraging its benefits, you can confidently navigate the complexities of retirement planning and achieve your long-term financial goals. Take the first step towards a secure retirement today with OneAmerica 401(k).

Additional Tables

| Table 1: Retirement Savings by Age |
|---|---|---|---|
| Age | Median Savings |
|---|---|---|---|
| 25-34 | $20,000 |
| 35-44 | $60,000 |
| 45-54 | $120,000 |
| 55-64 | $240,000 |
| 65+ | $400,000 |

| Table 2: Top 401(k) Investment Options |
|---|---|---|---|
| 1. Target-Date Funds | 2. Index Funds | 3. Mutual Funds | 4. Individual Stocks |

| Table 3: Potential Returns on 401(k) Investments |
|---|---|---|---|
| Investment Type | 10-Year Return |
|---|---|---|---|
| Stocks | 10% |
| Bonds | 5% |
| Target-Date Funds | 7% |
| Mutual Funds | 6% |

| Table 4: Projected Retirement Income from 401(k) |
|---|---|---|---|
| 401(k) Balance at Retirement | Annual Retirement Income |
|---|---|---|---|
| $250,000 | $12,500 |
| $500,000 | $25,000 |
| $1,000,000 | $50,000 |
| $1,500,000 | $75,000 |