1. Women &
Investing
Make It Happen!
A How-to Workshop on
Achieving Your Financial Goals

2. Quick QuizQuick Quiz
_____% of women end up managing their own_____% of women end up managing their own
finances at some point in their livesfinances at some point in their lives
a)a) 10-20%10-20%
b)b) 55-60%55-60%
c)c) 80-90%80-90%
d)d) 95-100%95-100%
c) 80-90%c) 80-90%

3. WI0000.307.1005
September 30, 2005
Most stock market investors get wiped out at leastMost stock market investors get wiped out at least
once in their lifetime.once in their lifetime.
a)a) TrueTrue
b)b) FalseFalse
Quick QuizQuick Quiz
FalseFalse

4. WI0000.307.1005
September 30, 2005
If a 45-year old woman plans to retire at age 60, howIf a 45-year old woman plans to retire at age 60, how
many years can she expect to live in retirement?many years can she expect to live in retirement?
a)a) 10 years10 years
b)b) 12 years12 years
c)c) 19 years19 years
d)d) 21 years21 years
d) 21 yearsd) 21 years
Quick QuizQuick Quiz

5. WI0000.307.1005
September 30, 2005
If inflation is 4% per year, how much would a $50If inflation is 4% per year, how much would a $50
restaurant dinner for two cost in 10 years?restaurant dinner for two cost in 10 years?
a)a) $54$54
b)b) $60$60
c)c) $74$74
d)d) $80$80
c) $74c) $74
Quick QuizQuick Quiz

6. Over the last 30 years, which of the followingOver the last 30 years, which of the following
investment classes had the greatest overallinvestment classes had the greatest overall
appreciation?appreciation?
a)a) U.S. corporate bondsU.S. corporate bonds
b)b) U.S. treasury notesU.S. treasury notes
c)c) StocksStocks
d)d) CDsCDs
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c) Stocksc) Stocks
Quick QuizQuick Quiz

7. WI0000.307.1005
September 30, 2005
Women & Investing
Agenda
Women Today
Setting Your Goals
Achieving Your Goals

8. WI0000.307.1005
September 30, 2005
Women Today
Women &
InvestingSM

9.  Hold 46% of management
and professional jobs
 Represent nearly 16% of all corporate officers
in the Fortune 500
 One in 11 women is an entrepreneur
 Nearly half of all privately-held U.S. firms are
50% or more women-owned
Sources of data: Hartford Courant, 3/25/03; 2002 Catalyst Census of Women
Corporate Officers and Top Earners in the Fortune 500; Center for Women’s
Business Research, 2004.
Women Today
Moving Up in the Workplace
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September 30, 2005

10.  Comprise 1.3 million of the top wealth-holders, with a
combined net worth of almost $1.8 trillion
 43% of those with $500,000+ in financial assets are
women
 Control almost 60% of wealth in the U.S.
 Are the primary purchasing decision-makers in 80% of
nation’s households
Buy nearly half of all new cars
20% of first-time homebuyers are single women
Sources of data: Business and Professional Women/USA, Women’s Philanthropy Institute, 2002; Merrill Lynch World Wealth
Report, 2002; National Foundation of Women Business Owners; OppenheimerFunds Inc.; The Trendsight Group; CNW Research,
as cited on www.womanmotorist.com; National Association of Realtors, as cited on Business Women’s Network, www.bwni.com.
Women Today
More Economic Clout

11.  44% consider themselves very
or somewhat knowledgeable
 55% have a “save for tomorrow” attitude
 64% say that the more money they have, the
better they feel about themselves
 73% feel more knowledgeable because they
are working with a financial advisor
Source of data: Women & InvestingSM
Study 2005, OppenheimerFunds.
Women Today
More Knowledgeable Investors
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September 30, 2005

12.  76% wish they had learned more about
investing growing up
 63% do not understand how a mutual fund
works
 Only 52% have invested for retirement
Source of data: Women & InvestingSM
Study 2005, OppenheimerFunds.
Women Today
But, Still Progress to be Made
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September 30, 2005

13.  67% responsible for balancing the
checkbook
 65% responsible for paying bills
 54% responsible for developing or
maintaining a budget
Women Today
Responsible for “Chores”
WI0000.307.1005
September 30, 2005 Source of data: Women & InvestingSM
Study 2005, OppenheimerFunds.

14.  Sacrifice career and earnings to meet family
needs
 Retirees receive half the average pension
benefits that men receive
 Continue to earn less than men
 Longer life expectancies
Sources of data: Women’s Institute for a Secure Retirement and National Center
for Women’s Retirement Research; Stephen J. Rose and Heidi I. Hartman,
Institute for Women’s Policy Research Report, “Still a Man’s Labor Market: The
Long-Term Earnings Gap,” 2004; United States Department of Health and Human
Services, 2003; National Center for Women and Retirement Research, 1996.
Women Today
Some Things Haven’t Changed
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September 30, 2005

15. WI0000.307.1005
September 30, 2005
Setting Your Goals
Women &
InvestingSM

16. RETURN
RISK
The Pyramid of Financial
Independence©

17. Goals
 Travel
 Family
 College
 Later Years
 Where to Live
 Elderly Parents

18. List exact financial goals in workbook:
 Personal
 Business
 Career
 Loved ones
Setting Your Goals
Where You’re Going
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September 30, 2005

19. Rate in order of priority:
 A = MUST ACHIEVE
 B = LIKE TO ACHIEVE
 C = CAN LIVE WITHOUT
Setting Your Goals
Which Goals Matter the Most?
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September 30, 2005

20. WI0000.307.1005
September 30, 2005
Setting Your Goals
Establish a Target Goal
 Select one “A” goal to be your
target for workshop
 Visualize your goal
 Write down specifics – time frame,
estimated cost, etc.
 Share

21. List barriers or “bumps in the road”:
 Situations
 Events
 Attitudes
 Habits
 Relationships
Setting Your Goals
Identify Potential Challenges
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22. WI0000.307.1005
September 30, 2005
Achieving Your Goals
Women &
Investing

23. Where are you now?
• Pull your financial paperwork together
• Take stock and determine net worth
• Track your money and monitor cash flow
Achieving Your Goals
Get Organized
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September 30, 2005

24.  Open an automatic savings plan
1
 First build an emergency fund
 Then save for your goals
Achieving Your Goals
Pay Yourself First
1. Systematic investing does not assure a profit and does not protect against loss
in declining markets.
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September 30, 2005

25. Emergency Reserves

26. Three steps to controlling debt:
1. Add up and prioritize your debt
2. Restructure your interest costs
3. Maximize your payments
Achieving Your Goals
Deal with Debt
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September 30, 2005

27. Achieving Your Goals
Owe Less, Save More
To pay off $2,000 at 18%:To pay off $2,000 at 18%:
MonthlyMonthly TimeTime TotalTotal
PaymentPayment RequiredRequired InterestInterest
$ 50 (minimum)$ 50 (minimum) 5 Years5 Years $1,003$1,003
$ 100$ 100 2 Years2 Years $353$353
Difference:Difference: 3 Years3 Years $650$650
in Interestin Interest
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September 30, 2005

28. Foundation Savings

29. Monies You “Loan”
• CDs
• Annuities
• US Savings Bonds

30. Achieving Your Goals
Plan a Secure Future
Save through a tax-advantaged plan:
 Tax-deferred investment growth
 If employer plan, potential for pretax
contributions, possible company match
 If Traditional IRA, contributions might be tax
deductible
 If Roth IRA, tax-free withdrawals
at retirement
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September 30, 2005

31. Achieving Your Goals
Grow Your Nest Egg
Saving Through a Tax-advantaged Plan
1st
Year 25th
YearAnnual Contribution Rate
0
100,000
200,000
300,000
400,000
$500,000Annual Contributions:Annual Contributions: Balance in 25 Years:Balance in 25 Years:
$5,000$5,000 $255,567$255,567
$7,500$7,500 $383,351$383,351
$7,500 + $1,250 match$7,500 + $1,250 match $447,242$447,242
WI0000.307.1005
September 30, 2005 Assuming an annual growth rate of 5% per year.

32. Certificates of Deposit
 For large amounts of money, the most
effective way to utilize CDs is to ladder
them.
 1 year, 2 year, 3 year, 4 year, 5 year
 This effectively allows you to either hold on
sliding interest rates or capitalize on
increasing interest rates.

33. Guaranteed Annuities
Safety of Principle – Tax Deferred Growth
Fixed Bonus Indexed
 Floor Interest
 Sliding or Fixed
Interest
 Penalties at the
back end
Floor Interest
Bonus Upon
Deposit
Sliding or Fixed
Interest
Penalties at the
back end
Floor Interest
Interest Indexed
to Market
Returns
Penalties at the
back end

34. Guaranteed Annuities
 Generally the higher the rate of return, the longer
and the steeper the penalty.
 The pie is the same size, if you are getting a
benefit somewhere (ie. interest rate), they are
taking it away in another area (ie. higher penalty)

35. Guaranteed Annuities
 Annuitizing
 Period Certain
 5, 10, 15, 20 Years
 Lose Access to the Balance
 Life Time
 Individual or Joint
 Lose Access to the Balance

36. Risk Management

37. Investments That You “Own”
Inflation Hedge

38. Achieving Your Goals
Invest Wisely
Determine an asset allocation based on:
 Financial objectives
 Investment time horizon
 Tolerance for risk
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September 30, 2005

39. Achieving Your Goals
Plan a Secure Future
Save through a tax-advantaged plan:
 Tax-deferred investment growth
 If employer plan, potential for pretax
contributions, possible company match
 If Traditional IRA, contributions might be tax
deductible
 If Roth IRA, tax-free withdrawals
at retirement
WI0000.307.1005
September 30, 2005

40. Achieving Your Goals
Grow Your Nest Egg
Saving Through a Tax-advantaged Plan
1st
Year 25th
YearAnnual Contribution Rate
0
100,000
200,000
300,000
400,000
$500,000Annual Contributions:Annual Contributions: Balance in 25 Years:Balance in 25 Years:
$5,000$5,000 $255,567$255,567
$7,500$7,500 $383,351$383,351
$7,500 + $1,250 match$7,500 + $1,250 match $447,242$447,242
WI0000.307.1005
September 30, 2005 Assuming an annual growth rate of 5% per year.

41. Investments That You “Own”
 Stocks
 Bonds
 Mutual Funds
 Variable Annuities

42. Inflation Hedges
Bonds Stocks
$10,000 - $20,000 - $30,000
Set Dividends
Fluctuating Value
Callable
Rating (AAA to B)
Common / Preferred
Price per Share Fluctuates
Fluctuating Dividends
Money that You “Loan” Investments That You “Own”

43. Mutual Funds
 A company that invests in various
stocks/bonds
 Price per share fluctuates
 Front/back end load (A, B, C-shares)
 Management Fees
 12b1 Fees

44. Mutual Fund Styles
Value Blend Growth
LargeMediumSmall

45. Mutual Fund Sectors

46. Mutual Fund Fees
 Front end load (A & C shares)
 Deferred Load (B & C shares)
 Management Fees
 12b1 Fees

47. Variable Annuities
 Tax Deferred Growth
 Backend Fees
 Annual Administration Fee
 Mortality and Expense Fees
 Internal Administration Fees
 Rider Fees
 Sub-Account Fees

48. Variable Annuities
Options*:
 Guaranteed 5-6% Return
 Guaranteed 6-7% Income
* All options have additional basis point fees and these are not available on all* All options have additional basis point fees and these are not available on all
variable annuities.variable annuities.

49. What You See…
May Not Be What You Get
S&P 500
Index
Average Mutual
Fund Investor
2.57%
12.22%
Average Annual total Returns 1984-2002
Source: Dalbar, Inc.

50. Modern Portfolio Theory
(MPT)
 The 1952 publication "The Modern Portfolio Theory" by Harry M. Markowitz
revolutionized portfolio development.
 An approach to choosing investments allowing investors to quantify and control the
amount of risk they accept and amount of return they achieve in their portfolios. It
shifts the emphasis away from analyzing the specific security in the portfolio and
towards determining the relationship between risk and reward in the total portfolio.

51. Achieving Your Goals
Save for College
529 Savings Plans:
 Qualified withdrawals free of federal
income tax
 No income limitations
 High contribution ceiling
 Parents maintain control
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September 30, 2005
The Federal law exempting earnings on qualified withdrawals from federal
income taxes expires on December 31, 2010, unless extended by Congress.
State tax treatment varies and investors should investigate whether their
state offers a 529 plan.

52. Aggressive Inflation Hedge

53. High Risk

54. Achieving Your Goals
Work With a Financial Advisor
More Confident About HavingMore Confident About Having
Money for the FutureMoney for the Future
More Confident About HavingMore Confident About Having
Money for the FutureMoney for the Future66%66%66%66%
More KnowledgeableMore Knowledgeable
About InvestingAbout Investing
More KnowledgeableMore Knowledgeable
About InvestingAbout Investing
73%73%73%73%
More ComfortableMore Comfortable
About InvestingAbout Investing
More ComfortableMore Comfortable
About InvestingAbout Investing
75%75%75%75%
Source of data: Women & InvestingSM
Study 2005, OppenheimerFunds.
WI0000.307.1005
September 30, 2005
How Female Clients Feel About Financial Advice

55. Achieving Your Goals
Talk Money with Your Spouse
What you need to know:
 Family cash flow
 Net worth
 Investments
 Insurance
 Employment benefits
 Will
 Where everything is
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September 30, 2005

56. Achieving Your Goals
Talk Money with Your Spouse
Optimize your financial position:
 Review finances
 Agree on a budget
 Discuss and plan for long-term goals
 Split financial tasks
 Don’t lose sight of big picture
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September 30, 2005

57. What Have We Learned?
 Women Today
 Women today are more successful than ever, but
still face financial challenges
 Setting Your Goals
 Prioritize and plan for goals
 Achieving Your Goals
 Don’t lose sight of big picture – there are a lot of
solutions to overcome challenges
WI0000.307.1005
September 30, 2005

58. Next Steps
1. Work with an expert
2. Implement specific solutions
Don’t Forget…
Fill out pink form and return to me
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September 30, 2005

59. Finally…
 Make your finances a priority
 Invest in yourself: Read, listen, learn, ask for
help
 Stick with it
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60. WI0000.307.1005
September 30, 2005
Women &
Investing
Questions?

61. This presentation has been filed as a complete presentation, is not meant to be used as individual slides
and every slide must be shown during a seminar.
These views represent the opinions of OppenheimerFunds as of 9/30/05, are subject to change based on
market conditions and are not intended as investment advice—consult your financial advisor. Past
performance does not guarantee future results. Due to ongoing market volatility, current performance may be
more or less than the results shown in this presentation. The performance information does not show the
effects of income taxes on an individual’s investment. Taxes may reduce your actual investment returns or
any gains you may realize if you sell your investment. An investor’s shares, when redeemed, may be worth
more or less then the original cost. Investors should be aware that there are risks inherent in investing in
securities.
Shares of Oppenheimer funds are not deposits or obligations of any bank, are not guaranteed by any bank,
are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of
the principal amount invested.
Before investing in any of the Oppenheimer funds, investors should carefully consider a fund’s investment
objectives, risks, charges and expenses. Fund prospectuses contain this and other information about the
funds, and may be obtained by asking your financial advisor, calling us at 1.800.525.7048 or visiting our
website at www.oppenheimerfunds.com. Read prospectuses carefully before investing.
Oppenheimer funds are distributed by OppenheimerFunds Distributor, Inc.
Two World Financial Center, 225 Liberty Street, New York, NY 10281-1008