Morningstar 2011/2012 - (Page 51)

+ 1 866 374 – 8800 global.morningstar.com 51 Morningstar Investment Management can also help improve plan sponsors’ retirement plan lineups through our plan sponsor advice service. This service enables plan sponsors or their advisors to build diversified portfolios from our pre-approved lists, or enlist Morningstar Investment Management to design custom fund lineups for them. Under the plan sponsor advice service, we can provide either 3(21) or 3(38) fiduciary support. Custom models are built on Morningstar Investment Management’s methodologies and research to create dynamic target-date, target-risk, and blended funds tailored to a plan’s specific needs and objectives. These solutions use funds from the plan’s existing lineup, giving plan sponsors more control and customization over the underlying investment options. With the target-date option, our consultants will develop a glide path based on the plan’s unique demographic profile. As plan demographics change, our investment professionals will adjust each fund’s allocation to ensure it is optimized to meet the needs of a growing and changing workforce. For advisors and broker/dealers, we provide Lifetime Financial Advice, a sophisticated planning tool for generating comprehensive investment strategies that include life insurance and annuities. Using an investor’s personal characteristics and preferences, Lifetime Financial Advice provides precise recommendations for all life stages, from accumulation to drawdown. Robust reporting features make it easy for advisors to review each recommendation in detail and provide objective advice. Discover our capabilities global.morningstar.com/RetirementSolutions Are you making the most of your retirement account? ® Created for: John Smith Retirement Age: 65 Account(s): ABCo. 401(k) ...If not, Morningstar Retirement Manager can help SM Your employer has made it easier for you to make the most of your retirement account by offering Morningstar Retirement Manager. This service gives you access to professional investment management and oversight from Morningstar Investment Management’s team of experts. To give you an idea of how Morningstar Retirement Manager can help you manage your account and improve your retirement outlook, Morningstar Investment Management has constructed the following proposed strategy: To live comfortably in retirement we project you’ll need at least $45,000 a year in income, or about 70% of your annual salary at age 65. If you continue with your current strategy, you run the risk of being underfunded by $10,400 a year. Turn the page to see how we recommend you adjust your retirement strategy to achieve your Proposed Income Outlook. Outlook Goal $50,000 40,000 ($45,000/yr) $34,600/yr $10,400/yr below goal $49,600/yr $4,600/yr above goal 30,000 20,000 10,000 Current Income Outlook Personalized Communications You are on track to receive this amount annually if you continue with your current strategy. Proposed Income Outlook You have a 90% probability of achieving this amount annually if you implement Morningstar Associates’ proposed strategy. Turn the page to review your proposed strategy IMPORTANT: Morningstar Retirement Manager’s projections and other information including the Retirement Income Outlook, are hypothetical in nature, do no reflect actual results (including investment results), are not guarantees of future results, and may vary with each use and over time. Your asset mix is derived from various factors such as your years to retirement, your projected salary growth, and results from an “asset-liability analysis.” The “asset-liability analysis” is an economic concept that is helpful in understanding your ability to withstand financial losses by incorporating a projected future stream of income into your current financial situation. The investments considered by Morningstar Associates are limited to those investment options that are available within your defined contribution plan. (In certain instances, investment options such as lifestyle or custom funds may not be considered if data for such funds are not available. Morningstar Associates assumes no responsibility for the investments in your self-directed brokerage account, if applicable. Please contact your plan provider for information specific to your plan.) Each investment option is assigned a “fund score” through a proprietary algorithm; the “fund score” of each investment option may change with each use and over time. Other than the “fund score,” Retirement Manager does not favor certain investment options over others when your portfolio is Managed by You. If your portfolio is Managed by Morningstar, a Morningstar Associates investment professional may make additional adjustments. We encourage you to review the Methodology document for detailed information about the tool’s forecasts and assumptions. ©2010 Morningstar Associates, LLC. All rights reserved. Morningstar® Retirement ManagerSM is offered by and is the property of Morningstar Associates, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Investment advice generated by Retirement Manager is based on information provided and limited to the investment options available in the defined contribution plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, are not guarantees of future results and may vary with each use and over time. Wealth Forecasting Engine with Customizable Interfaces Professional advice. Plan providers, sponsors, and advisors can use our solutions to help individuals in all phases of their financial lives: accumulation, transition, and drawdown. Morningstar Investment Management is a division of Morningstar comprising its investment advisory subsidiaries. The investment advisory services described are offered by Morningstar Associates, LLC, Morningstar Investment Services, Inc., and/or Ibbotson Associates, Inc., all registered investment advisors and wholly owned subsidiaries of Morningstar, Inc. Reference ID: 1234567  http://global.morningstar.com http://global.morningstar.com/RetirementSolutions

Table of Contents for the Digital Edition of Morningstar 2011/2012

Morningstar 2011/2012
Table of Contents
Commonwealth Financial Network
The Hartford
ING
Transamerica
Institutional Software
Custom Software and Services
Investment Data, Market Data, and Indexes
Fund, Stock, and Credit Research
Advisory, Retirement, and Portfolio Management Services
Independent Advisor Software and Services
Financial Communications
Investor Websites and Publications

Morningstar 2011/2012

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