Learn Establish Your Investing Foundation You make a conscious decision to save rather than spend, to invest for a future goal. But you want to do so with an understanding of how your money can work for you. The following articles may help you establish a foundation for defining what type of investor you want to be. Why You Save and Invest The Magic of Compounding — Putting time to work on your retirement savings Keeping Pace with Inflation — Your investments might not be growing as much as you think Retirement — Articles focused on many aspects of retirement planning are available in the Plan section. Education Funding — How do you save enough money for your child's education and still maintain your other goals? Changing Jobs — Whether you're moving to a better opportunity, changing careers, or even scaling back on work, changing jobs is a big decision. Savings Calculators Feed Your Retirement Not Your Habits — Little habits add up. See how much you could save by cutting back or eliminating a daily habit. What's Your Excuse Not to Save and Invest? — See how much your savings could add up if you get started sooner. Investment Vehicles Stocks & Bonds — How to choose the right option All About Bonds — The classic counterbalance to more volatile stock funds Investing in Mutual Funds — Professional management, diversification lead benefits Exchange-Traded Funds — Index investing with stock-like trading Diversification and Risk The Whole World in Your Portfolio — Uncertainty about the U.S. economy's effect on overseas markets is leading some investors to eliminate or reduce their overseas holdings. Using Diversification to Combat Risk — Diversifying your investments is as much common sense as science The Value of Diversification (PDF) — The chart shows how asset classes and styles have performed over the past 15 years. Single-Asset vs. Multi-Asset Portfolios (PDF) — This chart shows single asset class returns and risk vs. that of asset allocation strategies over the past 30 years. Measuring Performance Using Indexes as Benchmarks — More accurately measure performance by comparing apples to apples Fund objectives, risks, charges and expenses should be carefully considered before investing. For a prospectus containing this and other important information call Russell at 1-866-676-7680 or go to the prospectus and reports page to download one. Please read the prospectus carefully before investing. Copyright © Russell Investments 2005. All rights reserved. This material is proprietary and may not be reproduced, transferred, or distributed in any form without prior written permission from Russell Investments. It is delivered on an "as is" basis without warranty. Russell Investment Group is a Washington, USA corporation, which operates through subsidiaries worldwide, including Russell Investments, and is a subsidiary of The Northwestern Mutual Life Insurance Company. Securities products and services offered through Russell Financial Services, Inc. (formerly Russell Fund Distributors, Inc.), member FINRA, part of Russell Investments. For information on the Financial Industry Regulatory Authority, go to www.finra.org. RFD 05-5581. First used: November 2005.			Develop a PLAN The Plan section of the Education Center includes articles on retirement planning and investment strategies.   Why RUSSELL? Learn what sets Russell's investment solutions apart.   Simplify with LIFEPOINTS FUNDS Learn more about these asset-allocated portfolios based on your current life point and risk tolerance.     Also Available Subscribe to our Education Center RSS Learn more about using and subscribing to RSS Printer friendly version of this page Send feedback or comments Site Search

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