Winter 2009 USAA Magazine - USAA.com

RetirementHelp from the pros.Don’t let retirement become a full-time job. USAA retirement professionals are readyto help you choose investment options from Target Retirement Funds to managedinvestment portfolios.Take advantage of the difference withGuaranteed Savings Annuities:Choose the tax advantages of aGuaranteed Savings Annuity or the regularincome of a Guaranteed Income AnnuityGet guaranteed income with no market riskConsult with salaried advisors who are notpaid on commissionUse USAA Target Retirement Fundsto help you plan for retirement:Select low-cost investment options basedon a target retirement dateDiversify with our mix of equity and bondfunds, no matter how close you are toretirementCertificates of Deposit (CDs) offerstable growth for your retirementdollars:Competitive fixed rates — all FDIC-insuredGet guaranteed growth for as little as$1,000 with terms from three months toseven yearsInvestments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose ValueThe risks of the Target Retirement purposes at age 65. The principal valueFunds reflect the risks of the underlying of the Target Retirement Funds is notfunds in which the Funds invest. The targetdate is the approximate date when target date. The Funds’ objectives doguaranteed at any time, including at theinvestors plan to start withdrawing not change over time.their money for retirement purposes. In Mutual fund investments are not insuredgeneral, the Target Retirement Funds’ and offer a variable return.investment program assumes funds will Diversification does not guarantee astart being withdrawn for retirement profit or prevent a loss.See additional legal information on Page 30.Life InsuranceGet covered for long-term care.When you retire, insurance becomes more important than ever. Most health insuranceplans — including Medicare and Medicaid — only offer limited coverage for long-term care.That’s why we have worked to make available policies that meet your budget and carepreferences at association prices.Long-term care coverage you can depend on:Cover custodial care in a variety of settingsPlan now to avoid complications down the roadCount on our knowledgeable professionals to help you make the right choices for youLearn about our full range of Medicare SolutionsTo discuss your options with aprofessional, call (800) 235-0481.USAA.COMusaa.com Winter 2009 usaa magazine 29