Investor education
Investors need financial strategies that consider market changes. Creating these strategies requires thoughtful planning and a financial partner who's dedicated to your success. Invesco has education and tools to help create these strategies.
Why you can't afford to wait to save for retirement
Below is a hypothetical story of the Joneses and the Smiths. Both couples wanted enough savings to live comfortably in retirement. The Joneses started making contributions right away. The Smiths decided to wait.

Each couple contributes per year in their 401(k):
Source: Invesco, easycalculation.com and investopedia.com. This hypothetical example and 8% average annual total return estimate are for illustrative purposes only and not intended to represent the actual performance of any particular investment product or investor. Returns aren't likely to be constant from year to year, and there is no guarantee that a specific rate or return will be achieved.
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Compelling Wealth Management Conversations
Insights to help manage clients’ emotions and keep them buckled-in to their long-term investment plans.

Can the market make you rich?
Explains why contributions matter much more than investment returns.

From A to Z: Decoding common financial terms
Dip into the alphabet soup of financial terms.

What's the real return on CDs?
This flyer looks at the returns on CDs after inflation and taxes are taken into account.

A planning checklist: Your total financial picture
A checklist designed to get you thinking about the entire range of financial needs-not just investments- so you can participate in building a plan for financial security.

Broaden your investment horizons
Explores the advantages of diversifying your portfolio to include international markets.

What's so smart about smart beta?
As an investor, you may increasingly hear the term "smart beta."
Taxes: Pay now or later?
Most people invest in tax-deferred accounts — such as 401(k)s and traditional IRAs — to defer taxes until money is withdrawn, ideally at retirement when both income and tax rate usually decrease. And that makes good financial sense because it leaves more money in your pocket. But consider this: If tax rates rise considerably by the time you retire, does tax-deferred investing — rather than paying taxes now — still make sense?
Analysis and finding
For this hypothetical situation, we assumed the following:
- An original investment of $50,000
- 30 years of tax-deferred growth versus taxable growth
- 6% annual growth rate on assets
- 25% tax rate during years prior to retirement
- 25% to 42% tax rates at retirement
The finding: Tax deferral can still make sense when you face higher income tax rates on withdrawals during retirement.
Hypothetical tax Rate at retirement1 (%):
1 These were some of the actual tax rates paid by middle income earners between 1972 and
2012.
2
After-tax account value.
3 This is the net amount and assumes the investors paid the hypothetical tax rate at retirement
on all earnings.
Federal and state penalties may apply for early withdrawals from an IRA or annuity.
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The impact of taxes: What you need to break even
Shows total returns by state after federal taxes at 35%, state income taxes and 3% inflation.
Why rollover?
Life is full of changes. And when those changes involve your financial future, you need to make sure your savings stay on track. If you're preparing to leave your current job, start a new job or retire, it may be beneficial to consider a rollover IRA that will potentially keep your savings working for you.
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Option 1
Direct rollover to an IRA
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Option 2
Move to your new employer's plan
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Option 3
Leave in your former employer's plan
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Option 4
Cash out
Benefits for you | Things to consider |
---|---|
Preserves tax advantages | No loan provisions |
No tax penalties | No consolidation of retirement assets |
Potentially more investment choices | Ongoing contributions generally not permitted |
Early distribution withdrawal options for certain situations |
Required minimum distributions (RMDs) begin at age 70½ |
Flexible distribution options | Expenses and fees may be higher |
Potential estate planning benefits | If rolled over indirectly, taxes and penalties could apply to amounts not rolled over within 60 days. |
Professional investment assistance from your financial advisor |
Benefits for you | Things to consider |
---|---|
Consolidates retirement assets | Potentially limited investment options |
Preserves tax advantages and avoids early withdrawal penalties |
Potentially limited withdrawal options |
May be eligible to take withdrawals at age 55 in certain situations |
Subject to all provisions of new plan |
May provide loan provisions | Generally, no professional investment assistance provided by plan |
Generally, RMDs begin at age 70½ plan may permit nonowner employees to delay RMDs until after 70½ if they continue active employment |
Benefits for you | Things to consider |
---|---|
Ease and simplicity | Potentially limited investment options |
Preserves tax advantages and avoids penalties |
No consolidation of retirement assets |
May be able to take withdrawals at age 55 in certain situations |
You may have to contact your former employer for any questions or help |
May provide loan provisions | Generally, no professional investment assistance provided by plan |
Generally, RMDs begin at age 70½ plan may permit nonowner employees to delay RMDs until after 70½ if they continue active employment |
Benefits for you | Things to consider |
---|---|
Easy access to assets | In most cases, the entire amount is federally taxed as ordinary income |
Loss of tax-deferred growth potential | |
10% early withdrawal penalty if you're under 59½ | |
State and local taxes may be due | |
20% mandatory up-front federal income tax withholding |
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Why Rollover
If your job status changes it might be time to consider a Rollover IRA

Traditional or Roth: Which IRA is right for you?
You know what they are. You think you should have one. But which IRA is right for your retirement?
Understanding the role of cash in your portfolio
Perhaps no other asset class elicits such mixed feelings among investors as cash. In bull markets, cash is shunned. In bear markets, it's embraced. Having a better understanding of the role cash plays in your financial program and its relationship to stocks and bonds is a critical step toward reaching your financial goals.
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Understanding the role of cash in your portfolio
A good understanding of the role cash plays in your portfolio is critical for your retirement.

Diversifying your portfolio: Finding an asset allocation that's right for you
Understanding the importance of creating an appropriate asset allocation.

Risk tolerance: Facts should trump emotions
Discusses emotions vs. facts and how true risk tolerance is based on a person's financial ability to take risk, not their emotions about risk.

Learning from history: Bulls, bears and boomers
How bull markets shaped baby boomers' unrealistic perception of investment risk

Managing your risks through income diversification
The challenge as an income investor is to increase your chances for reward while keeping risk in check.