Your Financial
Wellness – How to do a
Check-up on Your 401(k)
Account
Schaedler Yesco Distribution Inc.
401(k) Plan
Who We Are
Conrad Siegel Actuaries

Harrisburg based benefits firm

Record keeping - quarterly statements
Conrad Siegel Investment Advisors,
Inc.

Independent investment consultants

Recommend and monitor investment choices
2
Questions You Need to Answer

Are you saving enough?

Are you maximizing your employer’s
match?

Are you properly diversified?
3
Are you saving enough?
Retirement Savings Worksheet

Complete the worksheet

Decide how much you
need to save now
4
Are you maximizing your employer
match?
Employer matching contribution



Discretionary amount
Contributed with each payroll period
Current Match = 100% up to 3% of compensation
For example:



Employee contribution = $1,000
Employer matching contribution = $1,000!!!
(Assumes $1,000 is less than 3% of compensation.)
Conditions for match:

Make a 401(k) contribution
5
Are you maximizing your employer
match?
Employer matching contribution
Employee
A Contributing 1%
Employee
BContributing 3%
$1,400
$1,400
-$14
-$42
-$208
-$204
$1,178
$1,154
Bi-weekly gross
pay
401(k)
Federal Taxes (15%
tax bracket)
Net Pay (before other
deductions)
$24 difference
6
Are you maximizing your employer
match?
Employer matching contribution
Employee
A Contributing 1%
Employee
BContributing 3%
401(k)
$14
$42
Match
$14
$42
Total Contribution
$28
$84
$24 reduction in take home pay results in $56 extra in
retirement savings every pay check!
7
Are you maximizing your employer
match?
For $24 less each paycheck (or $624 for the year) in
take home pay, you have $15,545 more at retirement!
8
Are you properly diversified?
2% Individual Security Selection
2% Market Timing
96% Asset Allocation
Brinson Studies of 1986 and 1990
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Are you properly diversified?
Risk Assessment Quiz

Complete the risk quiz

Decide your risk level

This will help you make
your investment choices
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Are you properly diversified?
Your Results
5........................10..........................15..........................20........................25
Less Risk
Conservative
Moderate
Balanced
Less Risk
Conservative
Lifestyle Fund
Less Risk
Growth
More Risk
Moderate
Lifestyle Fund
Balanced
Lifestyle Fund
Aggressive
Lifestyle Fund
11
More Risk
Account Investing Methods
Option A
Professionally Managed Solution:
Lifestyle Funds
Option B
Employee Managed Solution:
Create Your Own Portfolio
12
Lifestyle Funds
If you would rather have an investment professional decide
how to invest your account, you can choose one of the
Lifestyle Funds, which are portfolios of investments with
pre-determined asset allocations.
Vanguard LifeStrategy
Income Fund
Conservative
Less Risk
Vanguard LifeStrategy
Conservative Growth Fund
Moderate
Vanguard LifeStrategy
Moderate Growth Fund
Balanced
Vanguard LifeStrategy
Growth Fund
Growth
More Risk
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Lifestyle Funds
If you are choosing a Lifestyle Fund, read the
description of your
Investment Style, and then choose
the appropriate LifeStyle Fund.
Investment Style
Balanced - The goal of this asset allocation should be
a balance of asset growth with a fair amount of current
income. This can be appropriate for those with a time
horizon of at least 10 years, which is a full market
cycle. These individuals realize that retirement is far
enough away that they can ride out any account
fluctuations.
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Create Your Own Portfolio
If you are creating your own portfolio of investments,
here is just one sample to help you get started in building a
properly diversified portfolio.
Investment Style
Average Annualized
Returns
Sample Asset
Allocation
Balanced - The goal of this asset allocation
n 5% Money Market
should be a balance of asset growth with a fair
amount of current income. This can be
appropriate for those with a time horizon of at
least 10 years, which is a full market cycle.
These individuals realize that retirement is far
enough away that they can ride out any account
1991-2010
8.39%
Best Year
36.03%
Worst Year
-28.82%
n 35% Bonds
n 27% Large Cap Stocks
n 6% Mid Cap Stocks
n
9% Small Cap Stocks
n 18% Foreign Stocks
fluctuations.
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Website Tools
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Website Tools
17
Website Tools
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Statements Electronically
19
Statements Electronically
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Statements Electronically
21
Statements Electronically
22
Website Information

Log onto www.my-benefit-info.com
for internet access

Questions?
Call our Customer Service Line
1-800-577-3675
M-F 8:00 a.m. to 6:00 p.m., Eastern Time
23
Increase Your 401(k) Contributions

Complete the Deferral Change Form in
your Tool Kit

Return Form to Human Resources

Change will be effective April 1
24
Disclosure
Conrad Siegel Investment Advisors, Inc. ("CSIA") is an SEC registered investment advisor with its
principal place of business in the Commonwealth of Pennsylvania. CSIA and its representatives are in
compliance with the current notice filing requirements imposed upon registered investment advisors by
those states in which CSIA maintains clients. CSIA may only transact business in those states in which
it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This
presentation is limited to the dissemination of general information pertaining to its investment
advisory/management services. Any subsequent, direct communication by CSIA with a prospective
client shall be conducted by a representative that is either registered or qualifies for an exemption or
exclusion from registration in the state where the prospective client resides. For information pertaining
to the registration status of CSIA, please contact CSIA or refer to the Investment Adviser Public
Disclosure web site (www.adviserinfo.sec.gov).For additional information about CSIA, including fees and
services, send for our disclosure statement as set forth on Form ADV from CSIA using the contact
information herein. Please read the disclosure statement carefully before you invest or send money.
This presentation contains general information that is not suitable for everyone. The information
contained herein should not be construed as personalized investment advice. Past performance is no
guarantee of future results. There is no guarantee that the views and opinions expressed in this
presentation will come to pass. Investing in the stock market involves gains and losses and may not be
suitable for all investors. Information presented herein is subject to change without notice and should
not be considered as a solicitation to buy or sell any security.
25
Schaedler Yesco Distribution Inc.
401(k) Plan