Retiresmart℠ Don’t l et anyth ing stanD in the way

Retirement isn’t as far as it looks.

Of getting On the Right path.

look ahead.What do you see in your retirement?

Many people see a life ahead that is full of choices. But no matter what you see when you imagine your life in retirement, you will need savings. Without planning and saving, many of us will not have enough to enjoy the retirement we see for ourselves.

Join the planYour employer’s retirement plan can help you save for

life in retirement with flexibility that works for your life

right now.

▶ it’s simple and convenient.

automatic payroll deductions mean you never have

to worry about writing a check or spending money

you meant to save.

▶ it’s flexible.

You decide how much to save and where your

contributions are invested.

▶ there may be tax benefits.

Your contributions may be made on a before-tax

basis, which reduces your taxable income.

▶ it goes where you go.

Your contributions and earnings are always yours

no matter where you go.

Joining youR plan anD saving eaRly can make a big DiffeRence

example is hypothetical and assumes weekly contributions of about $29 with a 6% annual rate of return compounded weekly. hypothetical results are for illustrative purposes only and are not intended to predict the future performance of any investment option.

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

$126,230

$250,199

Pat’sInvestmentMiguel’sInvestment

in this example, pat and Miguel both saved about $29 a week until they retired at age 65. But pat started when he was 25, and Miguel waited until he was 35. pat’s money had longer to grow. those 10 years of waiting cost Miguel over $116,000.

3 out of 4 workers will fall short on their retirement income goal.

Financial Engines National 401(k) evaluation, 2010

3

increase your contributions

Thanks to inflation, everyday items will cost more by the time you reach retirement. This means you may have to save more just to cover daily expenses.

saving more can help2

take a look to see how much a 2% increase of a $25,000, $50,000, or $75,000 annual salary could add up to over time. increasing contributions to your retirement plan can help ensure you save enough to cover your daily expenses.

$42,000

$83,000

$126,000

30

$30,000

$60,000

$90,000

$120,000

Years 5 10 15 20 25

$150,000

Salary $50,000 $75,000$25,000

1 example assumes a 3% rate of inflation, compounded annually over 30 years.

2 example is hypothetical and does not represent the future performance of any investment option available in your employer’s plan. numbers assume a before-tax weekly contribution of 2% of your salary, earning a hypothetical 6% annual rate of return compounded weekly over 30 years.

“i see myself having

an adventure.”

daily expenses will cost more in retirement1

item cost now cost in retirement

gallon of milk $3.00 $7.07

Box of cereal $4.50 $10.60

Movie ticket $10.00 $23.57

Weekly groceries $100.00 $235.66

RS1973 513 C:31755-00

© 2013 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

please consider an investment option’s objectives, risks, charges, and expenses carefully before investing. this and other information about the investment options can be found in the applicable prospectuses (and/or summary prospectuses, if available), if any, or fact sheets for the investment options listed, which are available from your plan sponsor, on the participant website, or by contacting our participant information Center. please read them carefully before investing.

the information contained in this brochure is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any federal tax penalties. neither MassMutual nor any of its employees or representatives are authorized to give legal or tax advice. You must rely on the advice of your own independent tax counsel.

consolidate your Retirement assetsYou may be able to roll other assets and account

balances into your MassMutual account. Consolidating

your assets may help you keep track of investments

and prepare for your life ahead.

With all of your assets in one place, you’ll be able to:

▶ manage all assets with a single account

▶ track progress with ease

▶ get help from one award-winning team

▶ possibly save on fees

For more information, contact your MassMutual representative, benefits administrator, or plan sponsor to learn more.