Investing Your Way

Reasons for Optimism

Challenges

Strategies

Agenda

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Reasons for Optimism

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4

Reasons for Optimism

Women will surpass men in college degrees (2013-2022)1…

1No commencement speaker will mention the huge gender college degree gap for the class of 2013 favoring women, www.aei-ideas.org, May 2013

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Reasons for Optimism

In 2012, 29% of women out-earned their husbands versus 17.8% in 19871

1Breadwinner Moms, pewsocialtrends.org, May 29, 2013

…income…

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Reasons for Optimism

…and are taking charge…

Woman-owned small businesses are growing twice as fast as men’s1

of new U.S. jobs will be generated by female-owned companies by 20182

1Women Launching 1,200 New Businesses a Day, New Research Shows, www.americanexpress.com2Fast-Growing Small Businesses Led by Women, www.kiplinger.com, May 2011

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Women lead some of the world’s foremost companies: General Motors, Hewlett-Packard, IBM, PepsiCo, and Lockheed Martin,1 and more

20 years ago there were none

1Number of Fortune 500 women CEOs reaches historic high, http://management.fortune.cnn.com, June 2014

Reasons for Optimism

…and leading

Tend to focus on longer-term, non-monetary goals

More likely to ask for direction

Tend to be more thorough; take more time making decisions

1Women are mostly better investors than men, www.usatoday.com, March 9, 2014

Reasons for Optimism

Three ways women are better investors than men:1

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Reasons for Optimism

Overall mental health improves with age

General life satisfaction increases with age

Women feel less lonely as they grow older; more affirmed and appreciated

1Could Aging Be Good for Women?, www.psychologytoday.com, post published by Susan Nolen-Hoeksema on Jan 12, 2010 in The Power of Women, www.huffingtonpost.coml

Women flourish as they age

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Challenges

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Who has time to plan?

Challenges

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Women often play three complex roles within their families

1Connecting with the women in your workforce, Joseph F. Coughlin, www.tiaa-cref.org, retrieved 5/20/15

Challenges

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1Data source: U.S. Census Bureau, Income and Poverty in the United States: 2013, issued September 2014

Women still earn less than men

Challenges

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1Your 'High-Earning Years': Salary Secrets For Your 20s, 30s And 40s, forbes.com, 1/13/14

Women reach an income threshold earlier than men

Challenges

Women spend less time in the work force

Challenges

1Data source: Women and Caregiving: Facts and Figures, caregiver.org

Women are main providers of parental care

The average caregiver:1 49-year-old woman married employed caring for her widowed

mother who doesn’t live with her

Challenges

Being a caregiver: Cost to women vs. men1

1The MetLife Study of Caregiving Costs to Working Caregivers, June 2011

Challenges

Life expectancy at age 65:1

16 17 18 19 201Data source: Health, United States, 2011, www.cdc.govLongevity data presented does not reflect mortality from birth statistics available from U.S. Census Bureau.2Aging Women, Living Poorer, contexts.org, Fall 2014

Women may have to manage alone…

Challenges

…and their money has to last longer

Help living independently (as of 20151)

1Genworth 2015 Cost of Care Survey, www.genworth.com

Challenges

Women lack confidence when it comes to investing

1Fidelity's most powerful women on ‘The Confidence Gap,’ http://fortune.com, 9/28/2014

52% of women still think that their husband or male partner does a better job overseeing the family finances.1

Challenges

Many women are less prepared for retirement than men

1The Gendernomics of Retirement Saving, institutional.vanguard.com, September 11, 2014

Average account balances, 20131

Challenges

Strategies

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Meet with your financial advisor to identify and prioritize your goals

Strategies

Use the workbook to:

Calculate your net worth Tally monthly spending Identify personal goals

Coffee example assumes the savings of $4.50 per latte, three times per week ($13.50). Gym example assumes the savings of $17.50 per week. ATM example assumes the savings of $12.50 per week. Lunch example assumes the savings of $37.00 per week. Retirement money example assumes the savings of $80.50 per week on all items. All of the above savings examples use the average annual rate of the S&P 500 Total Return (11.08%) for the past 75 years. Data Source: Morningstar Direct,1/15.Past performance is not indicative of future results. For illustrative purposes only. Investors cannot invest directly in an index.

If you invested the money you would’ve spent on all of these items, you’d have: $160,962

Do You: What if You:Savings Over 15-Year Period:

Drink a gourmet coffee every morning?

Have a gym membership you don’t use?

Head for the closest ATM?

Go out for lunch every day during the week?

Brewed your own coffee at home 3 times per week?

Bought a treadmill?

Used your bank’s or a no-fee ATM?

Brown-bagged your lunch?

$26,994

$34,992

$24,994

$73,982

Why Small Expenses Matter

Protect Your Budget

Strategies

Focus on the fundamentals of investing

3/31/04 3/05

500

1000

1500

2000

S&P 500 Index

2

100

150

200

250

300

350

400

450

500

CNBC

Vie

wer

ship

(in

thou

sand

s)1

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.Index descriptions are included on last slide. For Illustrative purposes only. The performance shown is index performance and is not indicative of any Hartford mutual fund. Investors cannot invest directly in an index.1Data Source: Nielson Media Research/Zero Hedge, June, 20142Data Source: Yahoo Finance, 1/15

3/06 3/07 3/08 3/09 3/10 3/11 3/12 3/14 6/30/14

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3/13

Avoid investing undue attention in the negative

Strategies

PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.Index descriptions are included on last slide. For Illustrative purposes only. The performance shown is index performance and is not indicative of any Hartford mutual fund. Investors cannot invest directly in an index.1Data Source: Yahoo Finance, 1/152Data Source: Investment Company Institute, 1/15

12/31/14

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1/07 1/08 1/09 1/10 1/11 1/12 1/13 1/14500

1000

1500

2000

-$800

-$700

-$600

-$500

-$400

-$300

-$200

-$100

$0

$100Auto

Industry’sbailout

unveiled

“Flash Crash”:Dow plummets

999 points

BP oil spill

Fed announces third round of Quantitative Easing (QE3)

80,000 people riot asGreece signs austerity

measures

Standard& Poor’slowers the U.S. credit rating

Fed launchessecond round

of QuantitativeEasing (QE2)

Lehman & Washington Mutual bankruptcies

TARP signed into law

Fed launchesQuantitative Easing (QE1)

Unemployment rate hits 10.2 percent

Bear Stearns sells for one-tenth of its market

price

Supercommittee fails to agree on

Deficit Reduction Plan

Facebook IPO disappoints

Sequesterbudget cuts

begin

U.S. GovernmentCloses for Business

Troubled Debut of Affordable Care Act

Dom

estic

Equ

ity M

utua

l Fun

d Fl

ows (

in b

illio

ns)2

S&P

500

Inde

x1

Detroit files fornation’s largest public

Sector bankruptcy

Ebola outbreak

Focus on the fundamentals of investingIf it’s not clear, that doesn’t mean it’s bad

Strategies

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If you’re approaching or already in retirement

Simplify multiple IRA accounts by consolidating Take Required Minimum Distributions to avoid

IRS penalties Get the most out of Social

Security—know your options Control how beneficiaries

receive distributions

Strategies

There might be additional fees involved in consolidating your IRA accounts.

Investing Your Way

28

Reasons for OptimismAdvantages women have

ChallengesSpecific factors to recognize

StrategiesTake control of your future

Main Idea

29

Use your strengths to proactively take control of your future

Next steps:

1 2 3Complete pages7-8 of the workbook

Make an appointment

with your advisor

Collaborate to create or refine your future

strategy

Next Steps

SEM_WI 9/15 118102-1

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Hartford Funds are underwritten and distributed by Hartford Funds Distributors, LLC.

This seminar has been funded in whole or in part by Hartford Funds Distributors, LLC.

All information and representations herein are as of 9/15 unless otherwise noted.