EFTA00631032.pdf

From: Terje Rod-Larsen To: Jeffrey Epstein <Jeevacation@gmail.com> Subject: Fwd: A Professionally Managed Solution for Your Retirement Savings Date: Sat, 31 Oct 2015 17:29:04 +0000 Sent from my iPhone Begin forwarded message: From: Mutual of America <mailgOnutualofamerica.com> Date: October 31, 2015 at 09:33:08 GMT+1 To: Terje Rod-Larsen Subject: A Professionally Managed Solution for Your Retirement Savings Mutual of America's Target-Date Retirement Funds Offer Professional Asset Allocation Aligned with Your Planned Retirement Date. Our Target-Date Retirement Funds Simplify Your Asset Allocation Decisions Prior to and Continuing into Your Retirement. The asset allocation (the mix of stocks, bonds and money market funds) is more aggressive for individuals with a longer time horizon to retirement and becomes more conservative as you near and begin retirement. Simply choose the Retirement Fund with the retirement date closest to when you want to retire, and let the professionals at Mutual of America Capital Management LLC manage your asset allocation for you.1 And, There Are Many Other Advantages of Mutual of America's Rollover IRA, a Variable Annuity Contract: r;l1,CheckM An Interest Account that credits competitive, higher interest rates for ark higher balances.2 CheckM A diverse choice of investment funds in the Separate Account to develop your ark own investment strategies. EFTA00631032 CheckM No withdrawal or surrender fees and no sales commissions.3 ark Our contracts assess a contract fee (unless you elect to receive documents electronically), and investments in the Separate Account investment funds are subject to Separate Account charges and Underlying Funds expenses. .11CheckM It's easier to track your investments with one account, and you may be able to ark reduce your account maintenance fees, too. Consider the Performance of Our 2030, 2025 and 2020 Retirement Funds for a Rollover IRA ANNUALIZED RETURN Fund Mutual of America 2030 Retirement Fund Mutual of America 2025 Retirement Fund Mutual of America 2020 Retirement Fund 1 Year 3 Years 5 Years Since i Incepton — -1.13% -1.04% -0.77% 8.03% 7.27% 6.34% 8.57% 7.94% 7.01% 3.98% 3.77% 3.69% As of 9/30/2015, the 2030, 2025 and 2020 Retirement Funds Each Received Morningstar RatingsTm of 5 Stars (Their Maximum) Overall, for 3-Years and for 5-Years.4 i;Request Application Kit c',',Leam More ;,Add to Your IRA Mutual of America Also Offers Target-Date Retirement Funds through 2050! 'Annualized rate of return based on a hypothetical investment of $1,000, which is redeemed at the end of the periods shown as of 9/30/2015. "Funds commenced operations November 5, 2007. Past performance is not a guarantee of future results. Current performance may be lower or higher than the performance shown. More recent performance is published online within seven business days after each month's end and can be obtained here or by calling 1-866-939-7655. For more information, please call a Rollover Specialist at 1.866-939-7655 or your Mutual of America Regional Office. Sincerely, William Rose William Rose Senior Executive Vice President and Chief Marketing Officer Morningstar, Inc., is an independent financial publisher of investment data and analysis. Click here for more information about our Morningstar Ratings TM. STAR RATING KEY The Morningstar Rating'" for funds, commonly called the star rating, is a measure of a fund's risk- adjusted return, relative to funds in its category. For each Separate Account investment alternative ("Fund") with at least a three-year history, Morningstar® calculates a Morningstar Rating m based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a Fund's monthly EFTA00631033 performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of funds in each category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10% receive 1 star. The Overall Morningstar Rating'"" for a Fund is derived from a weighted average of the performance figures associated with its three-, five- and ten-year (if applicable) Morningstar metrics. Before investing in our variable annuity contracts, you should consider the investment objectives, risks, charges and expenses carefully. This and other information is contained in the contract prospectus and Underlying Funds prospectuses. Please read the prospectuses carefully before investin . The prospectuses can be obtained by calling 1-866-939-7655 or visiting Mutual of America's Rollover IRA is an individual variable annuity contract and is suitable for long- term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any Rollover IRA by applicable tax law. You should carefully consider a variable annuity contract's other features before making a decision. Before rolling over funds from other plans, you should review the accounts you have with other providers to determine whether there are any withdrawal or termination fees or back-end loads that may result and to ensure that it is in your best interest to roll over your other accounts to a Rollover IRA. 'The target date set forth in each Retirement Fund's name is the approximate date that the fund expects investors to retire and begin withdrawing their account balance. The value of a Retirement Fund is not guaranteed at any time. including at and after the target date. There is no guarantee that a Retirement Fund will correctly predict market or economic conditions, and as with other mutual fund investments, you could lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal drcumstances and complete financial situation before investing. 2Subject to Mutual of America's financial strength and claims-paying ability. 3Withdrawals are subject to income tax at your ordinary income tax rate at the time of withdrawal, and if made prior to age 59%, a 10% federal tax penalty. 4For comparative purposes, the number of funds rated by Momingstar in the following categories for the stated periods were for Target Date 2016.2020, 191 funds/overall and 3-year, 164 funds/5-year; for Target Date 2021.2025, 75 funds/overall and 3-year. 63 funds/5-year; for Target Date 2026-2030. 150 funds/overall and 3-year. 131 funds/5-year. Morningstar compares each of the Separate Account investment alternatives to their universe of registered individual annuities from other service providers (net of Separate Account and Underlying Fund fees and expenses). The Morningstar category for each Fund is determined solely by Morningstar in order to rate funds with similar investment styles. Although Momingstar data is gathered from reliable sources, neither Morningstar nor Mutual of America can guarantee its com lateness or accuracy. Momingstar Ratingsw for other Mutual of America Retirement Funds vary and are available at or by calling 1.866.939-7655. This is an advertisement. To remove your name from this mailing list, please reply to this message with the word -UNSUBSCRIBE" in the subject line. [,,,iThe Spirit of America Your Retirement Company Mutual of America Life Insurance Company 320 Park Avenue. New York. NY 10022-6839 . 1-866-939-7655 Mutual of America Life Insurance Company is a registered Broker-Dealer. Mutual of America® and Mutual of America Your Retirement Company® are registered service marks of Mutual of America Life Insurance Company. Form IRA-2004 or applicable state variation ERTD102915 EFTA00631034 Confidential Note: This message and any attached files are confidential and intended only for the named recipient(s). The sender does not intend to waive any confidentiality or privilege that may apply. If you have received this message and you are not an intended recipient, any use, disclosure or distribution of the information contained herein is prohibited. In such event, please notify the sender and delete from your system. Please do your part to help the environment - do you need to print this e-mail? EFTA00631035