Natixis Funds: Managing the new realities of retirement

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Managing the new realities of retirement

The face of retirement is changing. Your life after you stop working full-time will be unlike that of any generation before you, including your parents'. They counted on three sources of retirement income – Social Security benefits, employer pensions, and personal savings.

Now, it�s looking like you may need an even stronger foundation in your retirement years: your personal wealth. This includes savings in IRAs, 401(k)s, and any other accounts you have designated to fund your retirement.

With uncertainty surrounding two-thirds of your retirement income, it may be important to focus on building your personal savings to ensure income in the years to come. Income to last through every phase of your retirement and changing market cycles. Talk to your financial advisor about how Natixis Funds may be able to meet your needs.

How will you manage your retirement?

Your grandparents' retirement

Your parents' retirement

Your retirement

Your grandparents retirement Your parents retirement

Social Security

The system was thriving, with many more workers contributing to the system than were receiving retirement benefits.

The system�s ability to pay benefits was never in question, but they may have made up a smaller percentage of retirement income.

According to current projections from the Social Security Administration, the system�s trust funds will be depleted by the year 2041, if changes are not enacted.

Pensions

Your grandparents may have worked for one company for all or most of their careers and had a healthy pension to depend on.

Even if your parents� careers took them to several companies, they still may have had a pension from one or more of them.

Pensions are becoming increasingly rare as companies move from defined benefit to defined contribution plans like
401(k)s.

Personal savings and investments

Savings may have provided a supplement to the other sources of retirement income.

Savings became a more important source of retirement income for this generation.

As the other two sources of income become less dependable, your retirement savings and investments are more crucial than ever.

RELATED TOPICS

IRA Options

IRA Planning

Calculators

Glossary

Pension Protection Act

Realities of retirement

Managing retirement risk

Strategies for retirement

For more complete information, including a prospectus, please contact your financial advisor. You may also view a current prospectus online, order literature through our site, or contact an Investor Service Representative at 800-225-5478. Investors should consider a fund's objective, risks and expenses carefully before investing. This information, and other information, can be found in the fund's prospectus. Please read the prospectus carefully before investing. Other expenses, including sales charges, apply to a continued investment in the fund and are described in the fund's current prospectus.

The mutual funds referred to in this website are offered and sold only to persons who are eligible to purchase U.S. registered investment funds and are offered by prospectus only.