See how quickly payroll-reduction contributions add up savi n g : i n v e s t i n g : p l a n n i n g Monthly pretax contributions of $300 could grow to more than $100,000 over 15 years! But your out-of-pocket cost would be just $225 each pay period! Payroll-reduction contributions can add up Monthly contributions
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Reduce current tax withholding by
Account Value
Your out-of-pocket cost
5 Years
15 Years
25 Years
$
100.00
$
25.00
$
75.00
$
7,341.39
$ 33,977.74
$
91,483.41
$
150.00
$
37.50
$
112.50
$
11,012.09
$ 50,966.61
$
137,225.11
$
200.00
$
50.00
$ 150.00
$ 14,682.78
$ 67,955.48
$ 182,966.81
$
300.00
$
75.00
$ 225.00
$ 22,024.17
$ 101,933.21
$ 274,450.22
$
400.00
$ 100.00
$ 300.00
$ 29,365.56
$ 135,910.95
$ 365,933.63
$
500.00
$
$ 375.00
$ 36,706.95
$ 169,888.69
$
125.00
457,417.04
$ 1,000.00
$ 250.00
$ 750.00
$
73,413.91
$ 339,777.38
$ 914,834.07
$ 1,500.00
$ 375.00
$ 1,125.00
$ 110,120.86
$ 509,666.07
$ 1,372,251.11
This example is hypothetical, does not reflect the return of any specific investment and is not a guarantee of a specific rate of return. Figures are based on an annual 8% rate of return and a 25% federal marginal income tax bracket. Income taxes are payable upon withdrawal. Federal restrictions and a tax penalty may apply to early withdrawals. Investment return and principal value will fluctuate so that the investor’s units, when redeemed, may be worth more or less than their original cost. Fees and charges, if applicable, are not reflected in this example and would reduce the results shown.
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The information in this flier is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor. Annuity contracts are issued by The Variable Annuity Life Insurance Company. Annuities and mutual funds offered by VALIC are distributed by its affiliate, American General Distributors, Inc., 2929 Allen Parkway, Houston, Texas 77019, member FINRA.
VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. Copyright © The Variable Annuity Life Insurance Company. All rights reserved. VC 14495-12 (06/2010) J78269 EE
