Planning & Investments

Investment Details06-15-2009
Investment	Main benefit	Ideal for people who...
Traditional IRA	You won't pay taxes on your investment growth as long as the money stays in the IRA.1	expect to be in a lower tax bracket at retirement.
Roth IRA	Deposits are made from after-tax dollars. You pay no income tax on withdrawn funds.1	expect to be in a higher tax bracket at retirement.
401(k) rollover	Allows the investor's capital to continue compounding tax-deferred while providing control over asset allocation.	have 401(k) plans with former employers.
Annuities	Insurance product that provides guaranteed options through the issuing company.	want options for protection of income or principal at retirement.
Mutual Funds	Provides portfolio diversification and is managed by professionals.	don't have the time to research every investment possibility.
Stocks	Provides the possibility for large financial gains.	have a high tolerance for risk.
Bonds	Generally less volatile than stocks.	have lower risk tolerance.
CDs	Provide a guaranteed rate of return.	have a low risk tolerance who don't need immediate access to cash.
1Consult your tax advisor.

About CUSO Financial Services, L.P.
Enhancing member value

CUSO Financial Services (CFS) opened its doors in 1996 with a vision to provide a credible, credit-union-owned investment platform. Because member credit unions own 75% of the company, they have a direct say in providing the types of products and services that will meet their members' needs.

Today, CFS manages more than 100 programs throughout the nation and has demonstrated strong financial performance since its inception. It has shown significant growth in assets, net earnings and has built some of the most successful investment programs in the country.