Retirement Designs

CAREER MANAGEMENT ASSOCIATES

Company Sponsored IRA Program

The Plan

You can save through payroll deduction up to $6,000 annually
You can have rollover balances directly transferred from prior employer retirement plans
All deposits and earnings may be tax deferred in a traditional IRA or tax-free Roth IRA
Because it is part of the CMA Program, contributions are at a lower expense level than if you invested privately
You are 100% vested in your account balances at all times

Investments

Plan assets are invested with The American Funds Mutual Fund Company, which is one of the three largest mutual fund families in the US and one of the oldest serving investors since 1931. Complete information about American Funds, including current performance information is available at http://www.americanfunds.com/ With their excellent performance and low expenses for retirement plans (R-2 Shares), we are confident you will be impressed with what you see. Following are the funds available under the plan:

Name	Lipper Category	10 Year Ranking
Growth Fund of America	Multi-Cap Growth	10 of 135
New Perspective	Global	7 of 123
SMALLCAP World	Global Small-Cap	14 of24
Capital World Gr. & Inc.	Global	2 of 123
Fundamental Investors	Large-Cap Value	3 of 166
Washington Mutual	Large-Cap Value	56 of 166
Capital Income Builder	Income (Mixed Equity)	1 of 69
American Balanced	Balanced	13 of 260
American High Income	High Current Yield	11 of 167
Bond Fund of America	Corporate Debt A-Rated	19 of 64
US Govt. Securities	General US Govt.	30 of 72

The preceding are the Lipper rankings as of June 30, 2008 based upon total return

and do not include the effects of sales charges.

Service and Assistance

Career Management Associates has partnered with Retirement Designs to assist you with enrolling, selecting, and monitoring your investments as well as all other service needs. You may contact our representative, Steve Stone, anytime at retdesigns@att.net or 877-503-9032.

Back to HOME