Introducing Vanguard Fund Advice

Introducing Vanguard Fund Advice

If you are like most people, your biggest question regarding your retirement plan is “How should I invest my money?” You may have been unable to answer this question—until now. Christian Brothers Retirement Planning Services and Vanguard are pleased to announce the availability of Vanguard fund advice.

Here’s How It Works

Vanguard fund advice gives you quick answers about which funds to select in your plan. This service is available to you at no cost and it’s is easy to use. Here’s how it works:

1.Complete Vanguard’s Investor Questionnaire. Don’t worry—there are no right or wrong answers. Simply answer the 11 questions.

2. Look on the answer key you’ll see after completing the Investor Questionnaire for your score and the appropriate mix of funds that meets your risk tolerance.

3. Make changes to your investments if appropriate. See “How to Make Changes” below for more information.

Vanguard LifeStrategy Funds: A Single Fund Solution

Your plan offers Vanguard LifeStrategy Funds. These funds invest in a predetermined mix of stock and bond funds. This means that you only need to pick a single fund to get a broadly diversified portfolio.*

If you do not see a LifeStrategy Fund listed next to your score, pick the LifeStrategy Fund closest to that score.

*LifeStrategy Funds can simplify investment selection, however, all mutual fund investing is subject to risk. Diversification does not assure a profit or protect against a loss in a declining market.

Note: Remember that most experts recommend an annual review of your retirement plan mix to make sure that you are still on track.

How to Make a Change

It’s easy to make a change to your account online or by telephone:

Online at www .vanguard.com . To register for immediate online account access, you will need your plan number (Christian Brothers Employee Retirement Savings 401(k) Plan—093260 ; Christian Brothers Retirement Savings Plan—093264).
By telephone at 1-800-523-1188. You will need your personal identification number (PIN) to use the 24-hour automated VOICE® Network. You can also speak with an associate Monday through Friday from 7:30 a.m. to 8 p.m., Central time.

Don’t Miss Out

Your participation in your retirement plan is one of the best ways to prepare for a secure financial future. (You are eligible to participate in either the Christian Brothers Employee Retirement Savings 401(k) Plan or the Christian Brothers Retirement Savings 403(b) Plan.) Remember: It’s best to start saving as early as possible, but it’s never too late. If you are not yet enrolled, contact the Benefits Office today!

Questions?

If you have any questions about the plan or Vanguard fund advice, call Vanguard at
1-800-523-1188. An associate will be happy to help you.

Vanguard , LifeStrategy, and VOICE are trademarks of The Vanguard Group, Inc. All other marks are the exclusive property of their respective owners.