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Congratulations! You've made a commitment to invest for
retirement, but that doesn't mean it's time to sit back and
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How much you invest, and how it's invested can make
all the difference in whether or not you achieve
your retirement goal. That's why you must take an active role
in tracking your investment progress. These practical tips can help
you along the way.
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Your financial adviser is your resource who can help you
review your investments on a regular basis to help you keep
on track. This is particularly important as your financial
situation changes and retirement nears.
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Your investment portfolio should change over time to reflect
changes in your age, priorities, risk tolerance and time horizon.
In general, the closer you are to retirement, the less aggressive
(less invested in stocks and more in bonds and money market
securities) your investment portfolio should be. |
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Regardless of how
near or far retirement is, asset allocation
is a strategy to rely on. It's the time-tested process of spreading
investments across a mix of "asset classes," or financial
markets-such as stocks, bonds and money market securities-that
reflects your unique situation and goals. (Asset allocation does not assure a profit
or protect against loss.)
The MTB Funds give
you all the tools you need to allocate your assets among key
financial markets. And if you are interested in a one-decision
approach to a diversified investment portfolio, the MTB
Managed Allocation portfolios give you access to a conservative,
moderate or aggressive mix.
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Thanks to the 2001 Tax Relief Act, if you're age 50 or over,
you can make an annual "catch-up" contribution to a Traditional
or Roth IRA or your 401(k) plan in addition to your regular
contribution.
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One of the easiest and surest ways to build your retirement portfolio
is to "pay yourself first" and invest a set amount on a regular
basis through a systematic investment plan with the MTB Funds.
With a systematic investment plan, you can purchase shares of the
MTB Funds on a regular basis with money automatically debited from
your savings or checking account. (You may purchase either Class
A shares or Class B. An up-front load may be applicable on the purchase
of Class A shares. Class B shares are subject to a Contingent Deferred
Sales Charge. See the Funds' prospectus
for further details.)
Systematic investing helps you take advantage of a simple concept
called dollar-cost
averaging, in which a set amount invested buys more shares when
share prices are low, and fewer shares when prices are high. As
a result, your average cost per share is lower than the average
price per share.
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