The Standard provides PSCI employees and plan members with a series of Retirement on the Brain materials designed to help improve retirement readiness and answer questions related to a range of financial and retirement-related topics. New content is added monthly, so plan to check back next month for more Retirement on the Brain information.
Learn the Basics of the Financial Markets
What are “the Markets”?
Why does everyone follow the Dow? How do mutual funds work? When you’re putting away some of your hard-earned cash for retirement, it’s helpful to know the answers to these questions, along with other information on how the financial world functions.
Watch this short video or download the flyer to help you understand:
- The U.S. investment markets
- The Dow and other market indexes
- Investment categories
- Timing the market
- Time in the market
Diagnose Your Debt and Make Saving for the Future Easier
Is debt keeping you from saving for retirement?
Then take a look at these Financial Health Checkup resources.
Watch the Financial Health Checkup video to learn about remedies to better manage debt and make it easier to save for the future:
Download the Financial Health Checkup flyer and worksheet to figure out your debt-to-income ratio, an important measure of your financial health.
After you’ve set up a plan to manage your debt, start saving by enrolling in your retirement plan or increasing your current contribution. Go to https://www.standard.com/retirement
Got Student Loan Debt? Don’t Forget to Save for Retirement
When you have student loan debt and want to save for the future, what’s your best move? Should you pay down your loans early, or save a little extra for retirement? In most cases, putting money into your retirement plan – even a small amount each month – should be part of your game plan.
Watch the Got Student Loan Debt? video or download the flyer to learn more about how to meet both of these important financial goals.
Don’t Overlook Health Care Costs as You Save for Retirement
Pay close attention to saving enough to cover your health care costs when you’re retired. Check out these resources, from The Standard, to help you prepare to stay healthy in retirement.
Watch the Future Wealth and Health video or download the flyer for tips to help you save enough.
It’s never too late to enroll in your retirement plan or increase your current contribution.
The Power of a Budget: Find Money to Save
Saving for retirement can be easy when you connect with The Power of a Budget resources. Watch the video and read the flyer for valuable information about saving for your future.
Watch The Power of a Budget: Find Money to Save for budgeting tips that can give you power over your finances.
Download the The Power of a Budget flyer to learn ways to remove roadblocks to retirement readiness. Take the next step. To enroll in your plan or increase your contribution, go to standard.com/retirement.
Know How Much to Save and Be Ready for Retirement
Here’s a question a lot of employees ask when considering how much to save for retirement:
“How much should I save?”
To answer that question, take a look at these Saving for Tomorrow resources. They’ll help you find a target savings goal, which can help you be more prepared for retirement.
Watch Saving for Tomorrow for an easy way to estimate how much you’ll need to live comfortably in retirement.
Download the Saving for Tomorrow flyer and worksheet to set your target savings goal – the amount you should save each month to meet your retirement goal.
Market Volatility Survival Strategies
If you know anything about the financial markets, you know that they can be volatile.
In order to prepare, and survive, the following video and attached brochure will provide you with:
- Strategies to help cope with market fluctuations
- Planning based on your retirement timeline
- Using diversification to help manage risk
- Mistakes to avoid and why
- Maintaining a long-term perspective
Investing to Match Your Taste
Choosing how to invest in your retirement plan doesn’t have to be hard. Most of your investment choices fall into just three groups that range from low to high risk. They are cash equivalents, bonds and stocks.
Watch the Investment to Match Your Taste video or download the flyer to learn more about matching your investment choices to your appetite for risk.
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