Market Timing: Big Wins or Big Trouble? - Halliburton

More documents

Recommendations

Info

Newsstand Retiree Corner Where to Settle Down in Retirement Retirement is a chance to reinvent yourself — you can take up a new hobby, start a new part-time career, travel or move to a new town, city or state. When developing your retirement strategy, choosing where to retire is as important as choosing how to manage your retirement assets. The right retirement destination can lead to years of happiness and leisure; the wrong choice can cause you to miss out on new opportunities or enjoyable activities, or it could be costly. Looking for the best place to retire means the best place for you and your spouse. When contemplating retirement locations, you need to consider factors like taxes, home prices, the social atmosphere, sports teams, golf courses, culture, educational opportunities, crime rates and the overall environment. Your search for the best place to retire might include a factor your parents never considered: work. More and more people are considering working during their retirement years. Wanting to continue working or a desire to try something new can be significant considerations for choosing retirement locations. If you are thinking about retiring in a new location, consider the following factors as you make your decision: Get an overview Spend time researching information on crime statistics, climate, cost of food and housing. You need to know the general cost-of-living in an area to make a good decision. It’s important to find out how much you need to maintain your lifestyle in another location. Equally important is living in close proximity to good health care services and facilities. Did You Know? Fast Facts: In October 2007, the AARP chose five cities as great places to retire. They are: • Atlanta, Georgia • Portland, Oregon • Chandler, Arizona • Boston, Massachusetts • Milwaukee, Wisconsin Check out health care costs Health care costs greatly impact retirees, so do some research to find out how much you will pay for nursinghome care, doctor visits and other health expenditures in a new location. Learn the tax policies Every state, city and county has a different tax policy. Find out the state’s income tax policies, local property tax and sales and estate tax information. Be sure to weigh them against each other. Lower state income taxes may not make up for high sales or property taxes. Consult your family After you and your spouse make the decision to move to a new city, talk it over with your family. Make sure your kids and grandchildren know about your plans well in advance, to give everyone a chance to get used to the idea of you moving. Try before you buy Visit your new potential home a few times. Make sure to visit during different seasons — you may not like Florida in the summer, for example. Consider renting for a year before you buy a place, so you are not committed if things do not work out. Choosing where to live in retirement is an important decision. Take your time making a choice and have fun while doing it. There is a whole world out there for you to explore, and you just might find the perfect place to begin your next adventure. Portland Chandler Milwaukee Boston Atlanta 10
Fund Performance Update Halliburton Company Employee Benefit Master Trust for the period ended March 31, 2008 General Investment Policy Index Composite Balanced Aggressive Moderate Conservative U.S. stocks 65.0% 70.0% 43.0% 26.0% Russell 3000 Index Non-U.S. stocks — 22.5% 14.0% 9.0% MSCI EAFE Index Emerging market stocks — 7.5% 5.0% 3.0% MSCI Emerging Market Free Index U.S. broad market bonds 35.0% — 33.0% 20.0% Lehman Aggregate Bond Index U.S. high yield bonds — — 5.0% 4.0% Merrill Lynch High Yield Bond Index iMoneyNet Money Market Fund Average — — — 38.0% Performance 10 Years* 5 Years* 3 Years* 1 Year 1st Quarter Premixed Portfolios Stable Value Premixed Portfolio 5.7% 5.1% 5.3% 5.4% 1.4% IMoneyNet Money Market Fund Average 3.3% 2.8% 4.1% 4.3% 0.8% Conservative Premixed Portfolio (CPP) 5.8% 9.2% 6.7% 3.3% -3.3% CPP Index Composite 4.9% 8.3% 6.5% 2.0% -3.0% Moderate Premixed Portfolio (MPP) 6.2% 12.5% 8.5% 1.7% -6.7% MPP Index Composite 5.8% 11.8% 8.0% 0.4% -5.3% Aggressive Premixed Portfolio (APP) 5.6% 16.1% 10.1% -0.4% -11.1% APP Index Composite 5.2% 15.9% 9.5% -3.3% -9.4% Single Focus Funds Bond Index Fund 5.9% 4.5% 5.4% 7.7% 2.3% Lehman Aggregate Bond Index 6.0% 4.6% 5.5% 7.7% 2.2% Balanced Fund 7.1% 12.2% 8.7% 2.9% -3.9% Balanced Fund Index Composite 4.9% 9.5% 6.0% -1.3% -5.5% Large Cap Value Equity Fund 5.3% 13.0% 5.7% -9.4% -11.4% Russell 1000 Value Index 5.5% 13.7% 6.0% -10.0% -8.7% S&P 500 Index Fund 3.4% 11.2% 5.7% -5.2% -9.5% S&P 500 Index 3.5% 11.3% 5.9% -5.1% -9.4% Large Cap Growth Equity Fund 1.1% 10.3% 6.8% 1.9% -12.9% Russell 1000 Growth Index 1.3% 10.0% 6.3% -0.7% -10.2% Non-U.S. Equity Fund 8.0% 24.2% 18.7% 6.9% -8.7% MSCI ACWI ex U.S. Index ** 7.0% 23.2% 16.0% 2.1% -9.1% Mid Cap Equity Index Fund 8.9% 15.0% 7.0% -7.0% -8.9% S&P MidCap 400 Index 9.0% 15.1% 7.1% -7.0% -8.8% Small Cap Equity Fund 2.3% 11.9% 2.1% -15.3% -13.1% Russell 2000 Index 5.0% 14.9% 5.1% -13.0% -9.9% Halliburton Stock Fund 5.7% 31.3% 22.6% 24.8% 3.9% *Annualized. **Returns prior to January 1, 2005, include MSCI EAFE Index, the previous fund benchmark. 11
Page 1: TrustTalk Spring 2008 Current news
Page 4 and 5: Feature Market Timing: Big Wins or
Page 6 and 7: Investment Know-How Choosing Your I
Page 8 and 9: Lifestyles Investing Through the Ag
Page 10 and 11: Focus on Funds Non-U.S. Equity Fund
Page 14: Performance Notes The Bond Index, B

Market Timing: Big Wins or Big Trouble? - Halliburton

Create successful ePaper yourself

Delete template?

Save as template?