Retirement on the Brain Navigating Specialty Sector Investing

Retirement on the Brain Navigating Specialty Sector Investing

Retirement on the Brain Navigating Specialty Sector Investing Presented by StanCorp Equities, Inc., member FINRA Retirement on the Brain Presented by [Presenters name] [Presenters title] [Presenters name] [Presenters title] Navigating Specialty Sector Investing Retirement

on the Brain Navigating Specialty Sector Investing This workshop will explore how to: 1. 2. 3. 4. 5. 6. Be realistic about your knowledge, time and interest Build a balanced portfolio Invest your time first Consider what you know best Stay alert Understand the environment

Navigating Specialty Sector Investing Retirement on the Brain Alternative Choices For Investing Funds that focus on certain sectors may involve a greater degree of risk than other funds that provide broader diversification. Navigating Specialty Sector Investing Retirement on the Brain Know The Pros And Cons Of Specialty Sector Investing PROS CONS

Diversification High risk Potentially higher returns Specialized knowledge Power Volatility The Of Planning Our goals can only be reached More time toofmonitor through a vehicle a plan, in

which we must fervently believe, and upon which we must vigorously act. There is no other route to success. Pablo Picasso Navigating Specialty Sector Investing Retirement on the Brain How Much Should You Invest In Specialty Funds? 2-10% may be suitable for many people SOURCE: Sector funds: Are they right for you? by Shelly K. Schwartz, Bankrate.com

Navigating Specialty Sector Investing Retirement on the Brain 1. Be Realistic. Compass Point 1 Must be willing to invest your: Interest Knowledge Time

Navigating Specialty Sector Investing Retirement on the Brain 2. Build A Well-Balanced Portfolio. STOCKS BONDS OTHER Navigating Specialty Sector Investing Compass Point 2 Retirement

on the Brain 2. Build A Well-Balanced Portfolio (Continued) Reduce your exposure to risk by diversifying Visit www.standard.com/retirement/education and take the Investor Profile Quiz Diversification does not ensure a profit or protect against a loss in a declining market. An investment cannot be made directly in an index. Navigating Specialty Sector Investing

Compass Point 2 Retirement on the Brain 3. Invest Your Time First. Before investing, do your own research or talk to your advisor. Navigating Specialty Sector Investing Compass Point 3 Retirement on the Brain 4. Consider What You Know Best. Draw on your own experience cautiously whether it be from:

A particular industry or category Your professional background Navigating Specialty Sector Investing Compass Point 4 Retirement on the Brain 5. Stay Alert. Compass Point 5 Stay atop news and trends that may affect your portfolio. International investing involves certain risks, such as currency fluctuations, economic instability and political developments. These risks may be

accentuated in emerging markets. Navigating Specialty Sector Investing Retirement on the Brain 6. Understand The Environment. Compass Point 6 Types of specialty investments: Real estate investment trusts (REITs)

Trade like stocks Allow investment in commercial properties Receive special tax considerations Real estate investment funds are subject to risks, such as market forces, that may affect the values of their underlying real estate assets. Navigating Specialty Sector Investing Retirement on the Brain 6. Understand The Environment (Continued) Types of specialty investments: Precious metal funds

Based on contracts or agreements Value tends to rise when stock prices drop Navigating Specialty Sector Investing Compass Point 6 Retirement on the Brain 6. Understand The Environment (Continued) Types of specialty investments: Emerging market funds

Equity investments in countries with emerging economies High growth with high risk Navigating Specialty Sector Investing Compass Point 6 Retirement on the Brain 6. Understand The Environment (Continued) Types of specialty investments: Brokerage accounts

Provide access to open market funds Often outside the plans core lineup Require extra care when selecting and monitoring Navigating Specialty Sector Investing Compass Point 6 Retirement on the Brain 6. Understand The Environment (Continued) Compass Point 6

Types of specialty investments: Specialty bond funds Professionally managed portfolios that invest in individual fixed-income securities Typically focus on particular sector Credit risk is dependent on underlying securities Funds that invest in bonds are subject to certain risks including interest-rate risk, credit risk and inflation risk. As interest rates rise, the prices of bonds fall. Navigating Specialty Sector Investing

Retirement on the Brain 6. Understand The Environment (Continued) How funds are managed: Actively Professional fund manager builds portfolio of individual securities Goal is to outperform the general market or indexes

Expenses are higher than passively managed funds Passively or indexed Manager tracks the performance of a benchmark Goal is to keep pace with the market Navigating Specialty Sector Investing Compass Point 6 Retirement on the Brain Thank you! For more information, planning

tools and calculators, visit: www.standard.com/retirement/education Navigating Specialty Sector Investing Retirement on the Brain Questions? Navigating Specialty Sector Investing Retirement on the Brain Employers and plan participants should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. The

prospectuses for the individual mutual funds and each available investment option in the group annuity contain this and other important information. Prospectuses may be obtained by calling 877.805.1127. Please read the prospectus carefully before investing. Investments are subject to market risk and fluctuate in value. The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued by Standard Insurance Company and a mutual fund trust platform for retirement plans. Third-party administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc. and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations. RP 17240-PPT (8/14) Navigating Specialty Sector Investing

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