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Fund Family Shareholder Association
www.adviseronline.comyour pre-retirement annual income
available to you after you retire. While
I can’t vouch for Fidelity’s math, I do
agree with the underlying message:
When it comes to your retirement, the
more you can save, the better.
Savings Limits Stalled
According to many who viewed the
Federal Reserve’s bond purchasing pro-
gram (also known as quantitative easing)
skeptically, all that buying was supposed
to lead to inflation, if not hyper-inflation.
It has not. So far inflation remains tepid.
In fact, inflation has remained so low
that it hasn’t triggered much in the way
of increases in retirement savings contri-
bution limits. With a $500 boost, inves-
tors will be able to save up to $18,000 in
401(k), 403(b) and 457 plans in 2015.
IRA and SIMPLE plan account hold-
ers can sock away $5,500 and $12,500,
respectively. These levels, established
by the Pension Protection Act of 2006,
are a huge improvement over what they
were earlier this decade. The pre-2002
limit was set at $2,000 a year for IRAs,
Contribution Limits for Retirement Savings Accounts
2014
2015
Notes
IRA
$5,500
$5,500
Indexed to inflation
SIMPLE IRA
$12,000
$12,500
Indexed to inflation
SEP IRA*
$52,000
$53,000 Up to 25% of comp.
401(k), 403(b) & 457 Plans
$17,500
$18,000
Indexed to inflation
*Contribution is the lesser of the percentage allowed or the limits as stated. 20% for sole proprietors. Check with your accountant for the
specifics of your individual situation.
Catch-Up Limits
2014
2015
Notes
IRA
$1,000
$1,000
Indexed to inflation
SIMPLE IRA
$2,500
$3,000
Indexed to inflation
401(k), 403(b) & 457 Plans
$5,500
$6,000
Indexed to inflation
$6,500 a year for SIMPLE plans and
$10,500 a year for 401(k), 403(b) and
457 plans. I like the higher amounts, and
you should, too.
As you know, I’m a big believer in
retirement savings plans, contributing the
>
500 Index
$0.981
Admiral T-M Balanced
$0.150
Admiral T-M Capital Appreciation $1.607
Admiral T-M SmallCap
$0.455
Balanced Index
$0.155
Capital Opportunity
$2.185
Capital Value
$1.669
Consumer Discretionary ETF
$1.432
Consumer Discretionary Index
$0.740
Consumer Staples Index
$1.186
Consumer Staples ETF
$2.417
Convertible Securities
$1.133
Developed Markets ETF
$0.240
Developed Markets Index
$0.057
Diversified Equity
$1.577
Dividend Appreciation ETF
$0.458
Dividend Appreciation Index
$0.176
Dividend Growth
$0.538
Emerging Markets Gov’t Bond ETF $0.316
Emerging Markets Select Stock
$0.255
Emerging Markets Stock ETF
$0.174
Emerging Markets Stock Index
$0.098
Energy
$3.943
Energy ETF
$2.209
Energy Index
$1.104
Equity Income
$1.243
European ETF
$0.291
European Index
$0.147
Explorer
$14.111
Explorer Value
$1.855
Extended Duration Treasury ETF
$1.370
Extended Market ETF
$1.141
Extended Market Index
$0.769
Financials ETF
$0.331
Financials Index
$0.166
Global Equity
$0.375
Global ex-U.S. Real Estate ETF
$1.356
Global ex-U.S. Real Estate Index $0.538
Global Minimum Volatility
$0.683
GNMA
$0.009
Growth & Income
$2.976
Growth ETF
$0.406
Growth Index
$0.190
Health Care
$18.523
Health Care ETF
$1.285
Health Care Index
$0.643
High Dividend Yield ETF
$0.562
High Dividend Yield Index
$0.217
Industrials ETF
$1.673
Industrials Index
$0.861
Inflation-Protected Securities
$0.177
Information Technology ETF
$1.171
Information Technology Index
$0.601
Intermediate-Term Bond ETF
$0.653
Intermediate-Term Bond Index
$0.062
Intermediate-Term Corporate ETF $0.368
Intermediate-Term Government ETF $0.097
Intermediate-Term Invest.-Grade
$0.079
Intermediate-Term Treasury
$0.013
International Explorer
$1.422
International Growth
$0.494
International Value
$0.946
LargeCap ETF
$0.483
LargeCap Index
$0.182
Long-Term Bond ETF
$0.324
Long-Term Bond Index
$0.003
Long-Term Corporate ETF
$0.340
Long-Term Government ETF
$0.181
Long-Term Investment-Grade
$0.141
Long-Term Tax-Exempt
$0.027
Long-Term Treasury
$0.193
MA Tax-Exempt
$0.067
Managed Payout
$0.040
Materials ETF
$1.892
Materials Index
$0.962
MegaCap ETF
$0.376
MegaCap Growth ETF
$0.323
MegaCap Value ETF
$0.400
MidCap ETF
$1.569
MidCap Growth
$3.209
MidCap Growth ETF
$0.794
MidCap Growth Index
$0.252
MidCap Index
$0.379
MidCap Value ETF
$1.472
MidCap Value Index
$0.529
Morgan Growth
$3.016
Mortgage-Backed Securities ETF $0.226
NJ Long-Term Tax-Exempt
$0.053
OH Long-Term Tax-Exempt
$0.065
PA Long-Term Tax-Exempt
$0.023
Pacific ETF
$0.629
Pacific Index
$0.116
PRIMECAP
$6.868
PRIMECAP Core
$1.567
REIT ETF
$1.103
REIT Index
$0.357
Russell 1000 ETF
$0.491
Russell 1000 Growth ETF
$0.424
Russell 1000 Value ETF
$0.601
Russell 2000 ETF
$1.071
Russell 2000 Growth ETF
$0.641
Russell 2000 Value ETF
$1.503
Russell 3000 ETF
$0.502
S&P 500 ETF
$1.026
S&P 500 Growth ETF
$0.377
S&P 500 Value ETF
$0.478
S&P MidCap 400 ETF
$1.225
S&P MidCap 400 Growth ETF
$0.792
S&P MidCap 400 Value ETF
$1.417
S&P SmallCap 600 ETF
$1.091
S&P SmallCap 600 Growth ETF
$0.758
S&P SmallCap 600 Value ETF
$1.284
Selected Value
$1.573
Short-Term Bond ETF
$0.183
Short-Term Bond Index
$0.013
Short-Term Corporate ETF
$0.277
Short-Term Government ETF
$0.065
Short-Term Inflation ETF
$0.395
Short-Term Inflation Index
$0.173
Short-Term Investment-Grade
$0.023
Short-Term Treasury
$0.009
SmallCap ETF
$1.664
SmallCap Growth ETF
$1.253
SmallCap Growth Index
$0.299
SmallCap Index
$0.707
SmallCap Value ETF
$1.845
SmallCap Value Index
$0.406
Social Index
$0.164
STAR
$0.843
STAR Cons. Gro.
$0.574
STAR Growth
$0.492
STAR Income
$0.152
STAR Mod. Growth
$0.418
Strategic Equity
$1.873
Strategic SmallCap Equity
$2.677
Target Retirement 2010
$0.801
Target Retirement 2015
$0.452
Target Retirement 2020
$0.582
Target Retirement 2025
$0.352
Target Retirement 2030
$0.587
Target Retirement 2035
$0.373
Target Retirement 2040
$0.591
Target Retirement 2045
$0.386
Target Retirement 2050
$0.600
Target Retirement 2055
$0.560
Target Retirement 2060
$0.471
Target Retirement Income
$0.125
Telecom Services ETF
$2.251
Telecom Services Index
$1.142
Total Bond Market ETF
$0.381
Total Bond Market Index
$0.028
Total International Bond ETF
$0.093
Total International Stock ETF
$0.400
Total International Stock Index
$0.126
Total Stock Market ETF
$0.561
Total Stock Market Index
$0.258
Total World Stock ETF
$0.378
Total World Stock Index
$0.148
U.S. Growth
$2.477
U.S. Value
$0.282
Utilities ETF
$0.824
Utilities Index
$0.414
Value ETF
$0.513
Value Index
$0.189
Wellesley Income
$0.672
Wellington
$1.781
Windsor
$1.107
Windsor II
$3.028
World ex-U.S. ETF
$0.379
World ex-U.S. Index
$0.143
World ex-U.S. SmallCap ETF
$1.408
World ex-U.S. SmallCap Index
$0.522
December Special Distributions