If you answer yes to the following questions, you may want to consider one of the Retirement Funds:
If you choose a target-date Retirement Fund, do you plan to keep your investment in this fund until the target retirement date?
Will you be able to tolerate the inevitable market swings?
If you choose a target-date Retirement Fund closest to when you want to retire, do you want a fund that becomes more conservative as you approach your retirement date?
Do you want an investment that is periodically rebalanced for you?
Do you understand and find acceptable the risks of investing in equities and fixed income?
Questions? To learn more about how Mutual of America Investment Corporation's Retirement Funds might fit into your retirement planning, speak with a Participant Account Representative. They can help you understand the features and objectives of the Retirement Funds. Contact your local Mutual of America Regional Office or call 1-800-468-3785.
The value of a Retirement Fund is not guaranteed at any time, including at and after the target date. There is no guarantee that a Retirement Fund will correctly predict market or economic conditions, and as with other mutual fund investments, you could lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal circumstances and complete financial situation before investing.
Before investing in our variable annuity contracts, you should consider the investment objectives, risks, charges and expenses (a contract fee, Separate Account expenses and Underlying Funds expenses) carefully. This and other information is contained in the contract prospectus or brochure and Underlying Funds prospectuses. Please read the prospectuses and brochure carefully before investing. The prospectuses and brochure can be obtained by mail or by calling 1-800-468-3785.
Mutual of America's group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should carefully consider a variable annuity contract's other features before making a decision.