This is a presentation that I put together while in college to educate other students about 401k's. My intention was to get them to participate in a company 401k if offered at their starting jobs. Originally the presentation had an intro slide show of people moving from college through various stages of life to retirement with the Rolling Stone's "Time is on My Side" playing in the background. Unfortunately, Slideshare doesn't support embedded video and audio, since that was probably my favorite part of the presentation.

1. 401 (k) Time is on Your Side

3. Sample Pay Stub No 401(k) Deduction $ 886.39 Net Pay $ 0.69 PA SUI $ 35.42 PA Withholding $ 16.73 Medicare $ 71.54 Social Security $ 143.08 Federal Withholding $1,153.85 Bi-weekly Gross Pay $30,000 Annual Salary

4. Sample Pay Stub 5% 401(k) Deduction $ 839.13 Net Pay $ 57.69 401(k) Deduction $ 0.69 PA SUI $ 33.65 PA Withholding $ 16.73 Medicare $ 71.54 Social Security $ 134.42 Federal Withholding $1,153.85 Bi-weekly Gross Pay $30,000 Annual Salary

9. 401(k) Savings Calculator can be found at www. bloomberg.com

13. 2008 Contribution Limits

14. Types of Vesting 100%  5 0% < 5 Percentage of money you keep Years with employer Cliff Vesting

15. 100% 7 80% 6  7 60% 5  6 40% 4  5 20% 3  4 0% < 3 Percentage you keep Years with employer 7 Year Graduated Vesting

19. Diversification Investment “B” 20yrs Investment “A” 20yrs $15322 $10955 $9646 12% $1000 $0 -- $1000 $1806 3% $1000 $3870 7% $1000 $0 -- $1000 $10955 4% $5000

28. Questions