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Fund Family Shareholder Association
www.adviseronline.complanning, that’s wishing. But saving
a little bit more each year is within your
control. So if you haven’t done so already,
set your savings goal for 2016 today.
Savings Limits Stalled
According to many who viewed the
Federal Reserve’s extended zero-inter-
est rate policy and bond purchasing
program (also known as quantitative
easing) skeptically, all that buying was
supposed to lead to inflation, if not
hyper-inflation. It has not. So far, infla-
tion remains tepid. In fact, inflation
has remained so low that it hasn’t
triggered any increase in retirement
savings contribution limits this year.
Just like last year, investors will be
able to save up to $18,000 in 401(k),
403(b) and 457 plans in 2016. IRA and
SIMPLE plan account holders can sock
away $5,500 and $12,500, respectively.
As you know, I’m a big believer in
retirement savings plans, contributing
the maximum to my own 401(k) as well
as my IRA (which I converted to a Roth
in 2010) every year. In fact, when I can,
I add my 401(k) money early in the year
on the assumption that markets rise more
often than they fall, hence my preference
to buy early, and at what very well may
be the lowest prices of the year.
That being said, you need to check
on just how your company matches
your contributions. If they do so by pay
period rather than on an annual basis,
then you won’t want to sock all your
money away up front as you might
miss the biweekly or monthly matches.
Speak with your benefits manager to
make sure you don’t miss out.
Playing Catch-Up
As if the opportunity to save your
hard-earned dollars for retirement, tax-
deferred, wasn’t good enough news,
the fact that folks like me, age 50 and
older, can save additional dollars is an
added bonus.
For those of us past the half-century
mark, we can once again contribute an
extra $1,000 to our IRAs in 2016, for
a total of $6,500, and the numbers are
500 Index
$1.042
Admiral Int-Term Gov't Index
$0.009
Admiral Mortgage-Backed Sec. Index $0.096
Admiral Short-Term Corp. Index
$0.017
Admiral Short-Term Gov't Index
$0.008
Admiral T-M Balanced
$0.157
Admiral T-M Capital Appreciation $0.496
Admiral T-M SmallCap
$0.181
Alternative Strategies
$0.095
Balanced Index
$0.171
Capital Opportunity
$2.725
Capital Value
$1.190
Consumer Discretionary ETF
$0.469
Consumer Discretionary Index
$0.244
Consumer Staples ETF
$0.898
Consumer Staples Index
$0.442
Convertible Securities
$0.270
Developed Markets ETF
$0.221
Developed Markets Index
$0.052
Diversified Equity
$2.811
Dividend Appreciation ETF
$0.475
Dividend Appreciation Index
$0.182
Dividend Growth
$0.709
Emerging Markets Select Stock
$0.284
Emerging Markets Stock ETF
$0.159
Emerging Markets Stock Index
$0.094
Energy
$1.078
Energy ETF
$0.683
Energy Index
$0.340
Equity Income
$1.267
Europe ETF
$0.202
European Index
$0.100
Explorer
$8.614
Explorer Value
$1.797
Extended Duration Treasury ETF
$2.273
Extended Market ETF
$0.398
Extended Market Index
$0.280
Financials ETF
$0.367
Financials Index
$0.184
Global Equity
$0.405
Global ex-U.S. Real Estate ETF
$0.803
Global ex-U.S. Real Estate Index
$0.314
Global Minimum Volatility
$0.364
Growth & Income
$2.653
Growth ETF
$0.413
Growth Index
$0.193
Health Care
$11.551
Health Care ETF
$0.476
Health Care Index
$0.238
High Dividend Yield ETF
$0.599
High Dividend Yield Index
$0.234
High-Yield Corporate
$0.021
Industrials ETF
$0.545
Industrials Index
$0.279
Inflation-Protected Securities
$0.096
Information Technology ETF
$0.403
Information Technology Index
$0.206
Intermediate-Term Bond ETF
$0.258
Intermediate-Term Bond Index
$0.035
Intermediate-Term Government ETF $0.027
Intermediate-Term Investment-Grade $0.034
Intermediate-Term Treasury
$0.081
International Explorer
$0.924
International Growth
$0.293
International Value
$0.662
LargeCap ETF
$0.507
LargeCap Index
$0.197
Long-Term Bond ETF
$0.138
Long-Term Bond Index
$0.021
Long-Term Investment-Grade
$0.108
Long-Term Tax-Exempt
$0.016
Long-Term Treasury
$0.220
MA Tax-Exempt
$0.017
Managed Payout
$0.750
Market Neutral
$0.002
Materials ETF
$0.600
Materials Index
$0.305
MegaCap ETF
$0.427
MegaCap Growth ETF
$0.349
MegaCap Value ETF
$0.431
MidCap ETF
$0.609
MidCap Growth
$1.840
MidCap Growth ETF
$0.355
MidCap Growth Index
$0.130
MidCap Index
$0.157
MidCap Value ETF
$0.538
MidCap Value Index
$0.202
Morgan Growth
$2.142
Mortgage-Backed Securities ETF
$0.240
NJ Long-Term Tax-Exempt
$0.021
NY Long-Term Tax-Exempt
$0.011
OH Long-Term Tax-Exempt
$0.059
PA Long-Term Tax-Exempt
$0.039
Pacific ETF
$0.623
Pacific Index
$0.116
PRIMECAP
$5.894
PRIMECAP Core
$1.032
REIT ETF
$1.098
REIT Index
$0.356
Russell 1000 ETF
$0.535
Russell 1000 Growth ETF
$0.443
Russell 1000 Value ETF
$0.640
Russell 2000 ETF
$0.477
Russell 2000 Growth ETF
$0.262
Russell 2000 Value ETF
$0.584
Russell 3000 ETF
$0.562
S&P 500 ETF
$1.092
S&P 500 Growth ETF
$0.447
S&P 500 Value ETF
$0.573
S&P MidCap 400 ETF
$0.445
S&P MidCap 400 Growth ETF
$1.034
S&P MidCap 400 Value ETF
$1.471
S&P SmallCap 600 ETF
$1.248
S&P SmallCap 600 Growth ETF
$0.408
S&P SmallCap 600 Value ETF
$0.390
Selected Value
$1.467
Short-Term Bond ETF
$0.053
Short-Term Bond Index
$0.007
Short-Term Corporate ETF
$0.063
Short-Term Federal
$0.029
Short-Term Government ETF
$0.024
Short-Term Investment-Grade
$0.002
Short-Term Treasury
$0.016
SmallCap ETF
$0.626
SmallCap Growth ETF
$0.462
SmallCap Growth Index
$0.119
SmallCap Index
$0.287
SmallCap Value ETF
$0.744
SmallCap Value Index
$0.170
Social Index
$0.065
STAR
$1.130
STAR Cons. Gro.
$0.300
STAR Growth
$0.947
STAR Income
$0.156
STAR Mod. Growth
$0.656
Strategic Equity
$3.474
Strategic SmallCap Equity
$0.676
Target Retirement 2010
$1.393
Target Retirement 2015
$0.996
Target Retirement 2020
$1.126
Target Retirement 2025
$0.778
Target Retirement 2030
$1.032
Target Retirement 2035
$0.786
Target Retirement 2040
$0.850
Target Retirement 2045
$0.585
Target Retirement 2050
$0.673
Target Retirement 2055
$0.609
Target Retirement 2060
$0.523
Target Retirement Income
$0.287
Telecom Services ETF
$0.639
Telecomm. Svcs. Index
$0.325
Total Bond Market ETF
$0.053
Total Bond Market Index
$0.007
Total International Stock ETF
$0.347
Total International Stock Index
$0.110
Total Stock Market ETF
$0.583
Total Stock Market Index
$0.268
Total World Stock ETF
$0.368
Total World Stock Index
$0.144
U.S. Growth
$2.665
U.S. Value
$1.011
Utilities ETF
$0.878
Utilities Index
$0.441
Value ETF
$0.588
Value Index
$0.218
Wellesley Income
$0.831
Wellington
$1.676
Windsor
$1.434
Windsor II
$2.256
World ex-U.S. ETF
$0.335
World ex-U.S. Index
$0.128
World ex-U.S. SmallCap ETF
$1.248
World ex-U.S. SmallCap Index
$0.467
December Special Distributions
>
Tax-deferred accounts are unmatched when it comes
to saving for retirement.