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In Retirement

Reassess your situation

Already retired? Then you already have a sense of what you're spending your retirement dollars on. Now think about potential future expenses - increased healthcare costs, new housing and travel plans. Determine how much you spend each year now and how much you may be spending later in retirement.

Evaluating your retirement savings

After you've estimated your current and future retirement costs, assess what you've saved to offset those costs. To arrive at this total, you should consider Individual Retirement Accounts (IRAs), pension plans and any non-retirement accounts that you're using to help fund your retirement.

Are your costs covered?

With your situation in mind, use the Retirement Investing Planner to adjust your annual income needs for inflation. It will also use an expected rate of return to estimate how your retirement investments may grow over time. If you end up in the red, your retirement strategy is likely in need of some fine-tuning.

Required Minimum Distributions

The IRS requires you to take annual distributions from most retirement accounts beginning at age 70 ½. Learn about required minimum distributions.

Please consider the charges, risks, expenses and investment objectives carefully before investing. Please see a prospectus , or if available, a summary prospectus containing this and other information. Read it carefully before you invest or send money.

A IRA should be considered a long-term investment. IRAs generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. Maximum contributions are subject to eligibility requirements. Depending on your eligibility, you may not be able to contribute the maximum amount. For more detailed information about taxes, consult IRS Publication 590 or your tax adviser regarding your personal circumstance.

Janus Distributors LLC