The Hands-On Investor truly enjoys managing his or her own retirement account. They keep up with financial and business news and feel confident enough to select, monitor and manage their investments over time without much personal assistance.

AAG’s Online Investment Guidance and Advice offers the more independent investor online access to some of the most sophisticated, yet easy-to-use investment planning and advisory tools available. Our goal is to help these investors make the most informed decisions possible related to creating and maintaining a personalized, long-term savings strategy based on their individual needs.

By logging on to the AAG Investment Guidance and Advice Web site for just a few minutes each quarter, investors can:

Run a retirement gap analysis to see whether they will have enough money to retire.

Receive advice about the specific investment choices in their Plan as well as the savings rate that might work best for them.

Answer important questions regarding their retirement planning,
such as:

• When will I be able to retire?
• Am I saving enough?
• What specific investments should I choose for my Plan?
• How often should I change my investments?
• How much should I save?

Our Online Advisory Solutions make it easy for participants to:

• Access up-to-date information concerning their Plan investment
  strategy
• Design and tailor an investment strategy to meet their needs
• Take a more active role in managing their Plan
• Provide them with a cost effective service for getting investment assistance

Track, Adjust and Build Retirement Dreams Online

AAG has teamed up with Ibbotson Associates, a registered investment adviser and industry leader in asset allocation and investment analytics tools, to provide the underlying methodology that powers AAG’s Online Investment Guidance and Online Investment Advice services.

AAG’s Online Investment Guidance provides plan participants with personalized asset allocation and savings rate¹ recommendations that reflects their unique financial information, retirement time frame, goals and financial situation. Based on the personalized recommendation participants can build their portfolios using the investment options available in their plan.

AAG’s Online Investment Advice goes one step further. Online Investment Advice not only provides participants with personalized asset allocation and savings rate¹ recommendations, but also creates a personal wealth forecast and recommended portfolio based on information drawn from the participant’s account profile and from the funds available in their Plan.

With Online Investment Advice:

• The recommendations are tailored to reflect a participant’s personal financial situation, including outside defined contribution assets and his or her individual Social Security estimate, if provided.
  
• Participants will receive the tools and information to help them make the most of their retirement plan, including a personal wealth forecast and a recommended portfolio that reflects their unique retirement time frame, goals and financial situation.
  
• From there, they can self-direct their own investment choices, manage their information, obtain a new recommendation, and if they choose, implement that recommendation.

¹ The percentage of gross income that is saved or invested.