Your Strategy - Why You Need to Invest

Why You Need to Invest

You may be finishing college, starting a career, getting married, having a child, buying a new home, changing jobs, accumulating wealth, or ready to retire. Wherever you are in life, you need to put your money to work for two reasons.

The price tags on your financial goals keep rising.
Inflation gradually weakens your buying power and makes everything cost more over time.

	1970	2005
Average Home Source: U.S. Statistical Abstract, U.S. Dept. of Commerce	$23,000	$309,500
College Education (1-yr. public) Source: The College Board	$1,985	$5,491
Full-size Automobile Source: National Automobile Dealers Association	$3,430	$27,958
Postage Stamp Source: U.S. Postal Service	$0.20	$0.39

Time can be your ally - or enemy
Invest early and time is on your side. Procrastinate, and it's uphill all the way.

	Return at 8%		Return at 10%
(at age 65)	Principal Value	Total Value	Pricipal Value	Total Value
Begin at age 25	$96,200	$711,268	$96,200	$1,119,122
Begin at age 35	$72,200	$302,716	$72,200	$416,059
Begin at age 55	$24,200	$37,116	$24,200	$40,492

This chart illustrates the potential advantages of investing early. It assumes an investment return of 8% and 10% and the reinvestment of all dividends. It is not indicative of the performance of any particular investment or mutual fund, nor is the impact of taxes accounted for. The value of an actual investment and the rate of returns will vary. Systematic investing does not assure a profit or protect against loss in declining markets.

MTB Investment Advisors, Inc., a subsidiary of Manufacturers and Traders Trust Company ("M&T Bank"), is the investment advisor to the MTB Group of Funds.

The MTB Group of Funds are available from M&T Securities, Inc. (member FINRA/SIPC), a broker-dealer subsidiary of M&T Bank, and other authorized broker-dealers. ALPS Distributors, Inc., which is not affiliated with M&T Bank, is the distributor of the MTB Group of Funds.

For more complete information, please download the funds' prospectuses available on this website or call 1-800-836-2211 for copies. You should consider the funds' investment objectives, risks, charges and expenses carefully before you invest. Information about these and other important subjects are in the fund's prospectus, which you should read carefully before investing.