Plan Back Up Your Investment Decisions With Knowledge The number of options can make investment decisions hard to make. Establishing a plan, preferably with the help of a trusted financial professional, can help you focus on pursuing your goals instead of worrying about individual products. Consult these articles to help plan your future: Retirement Planning Retirement Income — A new way to unlock the nest egg Planning for Retirement Checklist — If you have a retirement dream, it's never too early to begin preparations. Retire by Design, Not Default — A little advance planning can make decisions easier. Will Your Income Last? — Seven Key Considerations for Retirement Income. Retiring Checklist — Once you've reached this big turning point in your life, you'll need a careful plan to help ensure that you don't outlive your accumulated money. Saving for Retirement — Start as soon as you can Avoid a Savings Shortfall — Keep yourself on track by following these preventative measures. Affording Retirement — Getting started Introduction to IRAs — A beginner's guide to individual retirement accounts Consider Consolidating Retirement Accounts with an IRA Rollover — Flexible options, easier monitoring may be helpful Calculating Replacement Income — How much income will your investments bring you after retirement? Will it be enough to maintain the standard of living you want? The Cost of Borrowing from Your Retirement — Consider the alternatives before tapping your retirement savings Tax Strategies — Maximizing your retirement income by keeping up with Uncle Sam When to Tap Social Security Benefits — Your payments vary depending on when you claim social security Will That Be One Lump or Many? — Deciding how to receive your retirement plan payments Accounting for Required Minimum Distributions — Know the rules to avoid IRS penalties Investment Strategies Deciding When to Invest — Trying to time the market is rarely rewarded Developing Your Investment Strategy — Investing vs. speculating Active vs. Passive Investing — Understanding the difference in styles Sticking with Your Strategy — Don't chase investments based on sizzling returns Fund objectives, risks, charges, and expenses should be carefully considered before investing. A prospectus containing this and other important information can be obtained by calling (866) 676-7680 or by visiting this page on russell.com. 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 distributed through Russell Fund Distributors, Inc., member FINRA, part of Russell Investments. For information on the Financial Industry Regulatory Authority, go to www.finra.org. RFD 05-5594. First used: November 2005.			Retirement Savings CALCULATORS See how much you could save by ending daily habits and starting retirement investing sooner.   Implement YOUR PLAN Learn how to pursue your goals with the help of a financial professional and Russell.   Russell IN ACTION Learn more about Russell's multi-manager investment products: Russell Funds LifePoints Funds Separate Accounts     Also Available Subscribe to our Education Center RSS Learn more about using and subscribing to RSS Send feedback or comments Site Search

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