To schedule a no-obligation Retirement Investment Analysis, call your local Mutual of America office
Call Now
Today’s workers could spend 30 or more years enjoying their retirement. How they save and invest to prepare for those years takes on added importance given their longer life expectancy and more active lifestyles.
Meeting this challenge requires thinking and capabilities that go beyond ordinary. We believe that’s what you’ll find in our investment services, specialists and solutions. Their purpose is to help you offer a more powerful, more valuable retirement plan—one that gives your employees more potential to create the kind of tomorrow they want most.
Reimagine how your employees prepare for retirement
866.954.4321
Download the Brochure
Download the Brochure
You should consider the investment objectives, risks, and charges and expenses of the funds carefully before investing. This and other information is contained in the funds’ prospectuses and summary prospectuses, which can be obtained by calling 800.468.3785 or visiting mutualofamerica.com. Read them carefully before investing.
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, investors may lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal circumstances and complete financial situation before investing.
We guarantee that we will credit interest for the life of the contract to amounts in the Interest Accumulation Account of our General Account at a rate at least equal to the greater of (1) any contractual minimum guarantee provided by the contract or (2) the minimum rate required by applicable state law or, if no state law minimum rate is applicable to a contract, the minimum guaranteed credited interest rate will be set pursuant to National Association of Insurance Commissioners (NAIC) standard nonforfeiture law. The NAIC minimum rate is determined in accordance with a formula, and cannot be less than 1.00% or more than 3.00% in any event. We determine whether the application of the formula will change the minimum guaranteed rate each November, and any change is effective the following January 1 for that calendar year. In addition, Mutual of America may credit interest to your contract amounts in the Interest Accumulation Account at a higher rate that we declare from time to time and which may increase or decrease at our sole discretion, although we are not obligated to credit interest in excess of the minimum guaranteed rate. If you participate in an existing Tax Deferred Annuity contract, you should refer to it before making a decision because it may have a guaranteed minimum rate in excess of the formula described above and the advertised declared rate. We compound interest daily on your contract amounts in the General Account to produce an effective annual yield that is equal to the stated interest rate.
The performance of the Separate Account investment options is not guaranteed, and any assets allocated to them may decrease or increase in value. For more specific information about our Separate Account investment options, including industry allocations and fund performance, please visit mutualofamerica.com.
Discover a new world of investment choice and flexibility
The elements of investment insight
Since 1945, Mutual of America has helped retirement plan participants save for the long term. As retirement benefits have expanded over the decades, our investment capabilities have evolved to help our clients make the most of these changes.
Experience
Mutual of America evaluates a broad scope of investment funds for inclusion on our platform that retirement plan providers can make available to their participants. We do the work up front to make it easier for plan sponsors to offer a diverse range of investment choices to their retirement plan participants.
Investment fund analysis and evaluation
Mutual of America’s multifaceted investment approach is designed to scale and evolve—not just for years, but for generations. This discipline gives us the ability to offer highly differentiated investment services to you and your employees, wherever tomorrow takes you—for however long that may be.
Commitment
Our retirement services are backed by a powerful infrastructure that helps us adapt quickly to the changing needs of plan sponsors and participants.
Technology
We work to understand the current investment landscape as well as the trends and regulations that can impact retirement saving. We also look at how the economy is evolving and what that means for long-term investing.
Insight
INVESTMENT LINEUP
Offering a diverse range of investment options for your retirement plan
Mutual of America’s investment offerings are provided via a sophisticated recordkeeping and trust services platform. This structure gives you the flexibility to choose which funds from among our menu to make available in your retirement plan.
Our investment options fall into seven asset classes, six of which comprise our “core” asset classes. Plan sponsors may add or subtract funds from the complete list of available options, provided that all six core asset classes are represented.
A diverse array of funds
Mutual of America offers a variety of engaging, informative touchpoints to ensure participants stay focused on preparing for retirement.
In-person meetings
These can be held at the jobsite, the participant’s home or another convenient location, or virtually. There’s no additional cost for these meetings.
Online account management
Participants can quickly and easily see their personal rate of return, rebalance their investments, set up automatic rebalancing, change or add beneficiaries, request a loan (if your plan permits) and much more.
SmartPlan app for IOS and Android
Participants can conveniently access their accounts from anywhere. The app also features captioning and Spanish translation.
Easy-to-read quarterly statements
Our quarterly statements are designed to be easy to scan, so participants can absorb key account information quickly.
Retirement readiness communications
Participants can find many helpful tools, resources and articles at mutualofamerica.com to help them save and invest for retirement.
Financial Consulting Services
For participants who meet minimum account balance requirements, we offer specially trained representatives who can help them evaluate their retirement income and asset needs, including pensions, personal savings and Social Security. There are no additional fees for this service.*
You get a strong array of investment features
INVESTMENT FOCUS
Remaining true to a long-term investment philosophy
The benefit of offering a broad array of mutual funds from a variety of investment firms is that you can work with Mutual of America while still having access to the expertise of some of the financial industry’s most respected investment managers.
Far-reaching expertise
Investment discipline
Adaptability
Value
Reimagining the intersection
of retirement and investment
We seek to provide investment options that adhere to investment and risk parameters, which we believe can help you meet your fiduciary obligations. You can easily compare the style, performance, risk and costs of these funds to determine their suitability for your plan. You can also make tactical changes to your fund lineup by removing funds that no longer meet your criteria.
Investment discipline
As your retirement plan assets and participant base grow, our investment services can adapt to continue to provide you and your employees with a high level of service. We’re also adept at helping organizations that wish to transform their retirement plans.
Adaptability
Value
For your retirement plan to appeal to all of your employees, it should offer significant value over the course of their participation. We believe they’ll find it in our carefully vetted investment funds, outstanding service and engagement, and reasonable, clearly defined fees.
Value
INVESTMENT SELECTION
How we evaluate retirement plan investment options
Our rigorous investment vetting process seeks to ensure that the mutual funds we offer on our platform provide you with a solid foundation of options to select from to build your specific plan lineup.
Because Mutual of America works with some of the industry’s most established and respected investment managers, we get a close-up view of their thinking, strategies and outlook on the markets. This insight helps us determine whether a fund should be on our platform and, if so, what role it fills in providing a well-rounded array of asset classes.
Our goal is to make your job easier by providing you a pre-screened list of investment options from which you can build your plan lineup. We want you to be confident in the mutual funds you make available to your retirement plan participants.
So, how do we evaluate investment options for our platform? We look at many different facets of an investment management firm, including its investment process, research capabilities, performance track record, reputation and other criteria.
Good fit within the mix of existing fund options and managers
What we look for in a mutual fund
When selecting mutual funds for our platform, of course we’re interested in those with managers who have consistently outperformed their benchmarks, producing what’s known as “alpha.” While alpha is vitally important, we won’t automatically remove an underperforming fund and replace it with a fund that is currently in favor in the market. Many funds will experience periods of underperformance, and the ability to allow for these variations is factored in to our evaluation and monitoring process.
Rather than place too much emphasis on past performance, which is not indicative of future results, our strategy is to continue to make funds available that have a well-defined investment process, stable management and the potential for repeatable performance over time. Given the range of allocation choices offered, your participants can make their own decisions about the trajectory of a particular fund and seek alternatives within that asset class, if desired.
Our multifaceted approach to fund evaluation allows us to leverage our knowledge, relationship and strengths to provide value to you and your employees.
The expertise, reputation and stability of the investment management team
Reasonable investment management fees
Potential for competitive returns at a reasonable level of risk
Competitive historical fund performance in absolute and relative terms
The effectiveness of the investment manager’s research
Adherence to the fund’s stated investment objectives and style
INVESTMENT OVERSIGHT
Ongoing oversight across every fund
Mutual of America maintains a rigorous and ongoing oversight process of the funds on our platform. This ongoing due diligence helps us maintain high investment standards, which means you can build your investment lineup with confidence. Throughout the year, we gather relevant information regarding the funds, their performance, any changes in their key personnel or investment process, and more.
Representatives from each of the investment firms featured on our platform meet with us periodically (usually on an annual basis) to discuss their funds, including their performance and any changes affecting their operations, strategy or personnel.
In addition to individual meetings, we also receive information related to the funds frequently throughout the year. These thorough review processes add additional layers of monitoring to help ensure that investment funds and their managers are continuing to meet the criteria for inclusion on our platform.
Mutual of America’s core investment menu is comprised of six asset classes. Provided that all six of these core asset classes are represented, Mutual of America will indemnify a plan sponsor’s fund menu, subject to certain terms and conditions specified in the services agreement between the plan and Mutual of America, against liability, losses or reasonable expenses that arise from specific ERISA-related fiduciary claims related to the fund lineup.
How our fund menu indemnification works
Mutual of America has partnered with Wilshire, a global advisory company specializing in investment products and consulting services, to offer Section 3(21) and Section 3(38) advisory services to plan sponsors.
Other advantages for fiduciaries
•
•
•
We make tools and services available to you to help you meet your fiduciary responsibilities
Stable value fund*
Options for ESG criteria*
Balanced and target-date funds
Index funds
Core of diverse asset classes
INVESTMENT FUNDS
A commitment to multifaceted investment choice and flexibility
Each of the mutual funds on our platform has its individual merits. Collectively, the lineup offers a broad range of options that can serve as a valuable tool in building plan investment menus. Our investment specialists seek to eliminate fund overlap so that even funds within the same investment style (large cap, mid cap, small cap, growth, core/blend and value) provide different investment approaches to a particular market segment.
These funds provide participants with many different risk/return profiles so that they can have a broad mix of funds available to suit their financial goals and tolerance for risk. Our lineup spans the risk spectrum from traditionally lower-risk money market funds, to small cap and international equity funds typically featuring higher risk and higher potential returns. For participants who prefer not to construct their own style-specific mix of investments, Mutual of America offers investment options designed to help simplify the investment allocation process.
You can also create a lineup that offers environmental, social and governance (ESG) choices, lower-cost index funds or funds that invest according to faith-based values.
Our platform offers a solid mix of asset classes
INCREASING POTENTIAL RETURN >
INCREASING RISK >
Money
Market
Fixed
Income
Balanced/
Target-
Date
Large
Cap
Equity
Mid Cap
Equity
International
Equity
Small
Cap
Equity
Real Estate
This chart shows how Mutual of America’s investment options compare in terms of risk and potential return. The spacing between funds is not meant to be exact, but rather to illustrate relative risk and potential return. The target-date and asset allocation funds are grouped together above with the other balanced funds for illustrative purposes. The asset composition of these funds can differ significantly and therefore can have different risk and potential return characteristics among different asset classes. The actual performance of the funds may differ depending on the investment options selected, timing of transactions, market conditions and other factors.
LARGE US EQUITY
SMALL US EQUITY/
MID US EQUITY
FIXED INCOME
Money Market/
Stable Value
INTL/GLOBAL
EQUITY
BALANCED FUNDS
A diverse lineup of mutual funds
REAL ESTATE
Turning retirement plan participants
into smarter investors
Participant education is an essential element of our investment services, explaining to your employees which funds and asset classes are available under the plan, and making them aware of how the plan gives them significant advantages in saving for the future.
We don’t tell them what they should invest in—we show them how the retirement plan’s options give them the power to build their own customized portfolios targeting their unique goals, time horizon and tolerance for risk.
PARTICIPANT EDUCATION
*There is no separate fee for Mutual of America’s Financial Consulting Services, although there are minimum account balance requirements. The information provided by Mutual of America’s Financial Consultants is educational in nature and is not intended to serve as a primary basis for investment decisions.
Mutual of America’s Financial Consulting Services do not create an investment advisory or a fiduciary relationship (including under ERISA) between you or
your employees and Mutual of America. Mutual of America and its Financial Consultants do not provide tax or legal advice. Consult your personal tax adviser
or attorney for matters involving taxation and tax planning and your attorney for matters involving personal trusts and estate planning.
For Plan Sponsor Use Only
Investment discipline
Adaptability
*Available for certain plan types.
Retirement investing is unique among financial objectives because it encompasses just about everyone, from younger workers who may have 40 or more years of saving ahead, to people at, or in, retirement seeking current income. To help you serve such a broad and diverse constituency, our investment solutions provide the flexibility and adaptability to meet your changing needs.
For Plan Sponsors Use Only
Discover a new world of investment choice and flexibility
The elements of investment insight
We work to understand the current investment landscape as well as the trends and regulations that can impact retirement saving. We also look at how the economy is evolving and what that means for long-term investing.
Insight
Our retirement services are backed by a powerful infrastructure that helps us adapt quickly to the changing needs of plan sponsors and participants.
Technology
Mutual of America’s multifaceted investment approach is designed to scale and evolve—not just for years, but for generations. This discipline gives us the ability to offer highly differentiated investment services to you and your employees, wherever tomorrow takes you—for however long that may be.
Commitment
Mutual of America evaluates a broad scope of investment funds for inclusion on our platform that retirement plan providers can make available to their participants. We do the work up front to make it easier for plan sponsors to offer a diverse range of investment choices to their retirement plan participants.
Investment fund analysis and evaluation
Since 1945, Mutual of America has helped retirement plan participants save for the long term. As retirement benefits have expanded over the decades, our investment capabilities have evolved to help our clients make the most of these changes.
Experience
For Plan Sponsor Use Only
We seek to provide investment options that adhere to investment and risk parameters, which we believe can help you meet your fiduciary obligations. You can easily compare the style, performance, risk and costs of these funds to determine their suitability for your plan. You can also make tactical changes to your fund lineup by removing funds that no longer meet your criteria.
Investment discipline
Adaptability
Value
Investment discipline
Value
As your retirement plan assets and participant base grow, our investment services can adapt to continue to provide you and your employees with a high level of service. We’re also adept at helping organizations that wish to transform their retirement plans.
Adaptability
Investment discipline
Adaptability
Value
For your retirement plan to appeal to all of your employees, it should offer significant value over the course of their participation. We believe they’ll find it in our carefully vetted investment funds, outstanding service and engagement, and reasonable, clearly defined fees.
Reimagining the intersection of retirement and investment
Retirement investing is unique among financial objectives because it encompasses just about everyone, from younger workers who may have 40 or more years of saving ahead, to people at, or in, retirement seeking current income. To help you serve such a broad and diverse constituency, our investment solutions provide the flexibility and adaptability to meet your changing needs.
INVESTMENT SELECTION
How we evaluate retirement plan investment options
Our rigorous investment vetting process seeks to ensure that the mutual funds we offer on our platform provide you with a solid foundation of options to select from to build your specific plan lineup.
Because Mutual of America works with some of the industry’s most established and respected investment managers, we get a close-up view of their thinking, strategies and outlook on the markets. This insight helps us determine whether a fund should be on our platform and, if so, what role it fills in providing a well-rounded array of asset classes.
Our goal is to make your job easier by providing you a pre-screened list of investment options from which you can build your plan lineup. We want you to be confident in the mutual funds you make available to your retirement plan participants.
So, how do we evaluate investment options for our platform? We look at many different facets of an investment management firm, including its investment process, research capabilities, performance track record, reputation and other criteria.
INVESTMENT FOCUS
Remaining true to a long-term investment philosophy
When selecting mutual funds for our platform, of course we’re interested in those with managers who have consistently outperformed their benchmarks, producing what’s known as “alpha.” While alpha is vitally important, we won’t automatically remove an underperforming fund and replace it with a fund that is currently in favor in the market. Many funds will experience periods of underperformance, and the ability to allow for these variations is factored in to our evaluation and monitoring process.
Rather than place too much emphasis on past performance, which is not indicative of future results, our strategy is to continue to make funds available that have a well-defined investment process, stable management and the potential for repeatable performance over time. Given the range of allocation choices offered, your participants can make their own decisions about the trajectory of a particular fund and seek alternatives within that asset class, if desired.
Our multifaceted approach to fund evaluation allows us to leverage our knowledge, relationship and strengths to provide value to you and your employees.
Reasonable investment management fees
Potential for competitive returns at a reasonable level of risk
Competitive historical fund performance in absolute and relative terms
The effectiveness of the investment manager’s research
Adherence to the fund’s stated investment objectives and style
The expertise, reputation and stability of the investment management team
Good fit within the mix of existing fund options and managers
What we look for in a mutual fund
The benefit of offering a broad array of mutual funds from a variety of investment firms is that you can work with Mutual of America while still having access to the expertise of some of the financial industry’s most respected investment managers.
Far-reaching expertise
INVESTMENT OVERSIGHT
Ongoing oversight across every fund
Mutual of America maintains a rigorous and ongoing oversight process of the funds on our platform. This ongoing due diligence helps us maintain high investment standards, which means you can build your investment lineup with confidence. Throughout the year, we gather relevant information regarding the funds, their performance, any changes in their key personnel or investment process, and more.
Representatives from each of the investment firms featured on our platform meet with us periodically (usually on an annual basis) to discuss their funds, including their performance and any changes affecting their operations, strategy or personnel.
In addition to individual meetings, we also receive information related to the funds frequently throughout the year. These thorough review processes add additional layers of monitoring to help ensure that investment funds and their managers are continuing to meet the criteria for inclusion on our platform.
Mutual of America’s core investment menu is comprised of six asset classes. Provided that all six of these core asset classes are represented, Mutual of America will indemnify a plan sponsor’s fund menu, subject to certain terms and conditions specified in the services agreement between the plan and Mutual of America, against liability, losses or reasonable expenses that arise from specific ERISA-related fiduciary claims related to the fund lineup.
How our fund menu indemnification works
INVESTMENT LINEUP
Offering a diverse range of investment options for your retirement plan
Core of diverse asset classes
Index funds
Balanced and target-date funds
Options for ESG criteria*
Stable value fund*
*Available for certain plan types.
A diverse array of funds
You get a strong array of investment features
Mutual of America’s investment offerings are provided via a sophisticated recordkeeping and trust services platform. This structure gives you the flexibility to choose which funds from among our menu to make available in your retirement plan.
Our investment options fall into seven asset classes, six of which comprise our “core” asset classes. Plan sponsors may add or subtract funds from the complete list of available options, provided that all six core asset classes are represented.
Mutual of America has partnered with Wilshire, a global advisory company specializing in investment products and consulting services, to offer Section
3(21) and Section 3(38) advisory services to plan sponsors.
Other advantages for fiduciaries
•
•
•
We make tools and services available to you to help you meet your fiduciary responsibilities
INVESTMENT FUNDS
A commitment to multifaceted investment choice and flexibility
Each of the mutual funds on our platform has its individual merits. Collectively, the lineup offers a broad range of options that can serve as a valuable tool in building plan investment menus. Our investment specialists seek to eliminate fund overlap so that even funds within the same investment style (large cap, mid cap, small cap, growth, core/blend and value) provide different investment approaches to a particular market segment.
These funds provide participants with many different risk/return profiles so that they can have a broad mix of funds available to suit their financial goals and tolerance for risk. Our lineup spans the risk spectrum from traditionally lower-risk money market funds, to small cap and international equity funds typically featuring higher risk and higher potential returns. For participants who prefer not to construct their own style-specific mix of investments, Mutual of America offers investment options designed to help simplify the investment allocation process.
You can also create a lineup that offers environmental, social and governance (ESG) choices, lower-cost index funds or funds that invest according to faith-based values.
Our platform offers a solid mix of asset classes
Money
Market
Fixed
Income
Balanced/
Target-
Date
Large
Cap
Equity
Mid Cap
Equity
International
Equity
Small
Cap
Equity
Real Estate
INCREASING POTENTIAL RETURN >
INCREASING RISK >
This chart shows how Mutual of America’s investment options compare in terms of risk and potential return. The spacing between funds is not meant to be exact, but rather to illustrate relative risk and potential return. The target-date and asset allocation funds are grouped together above with the other balanced funds for illustrative purposes. The asset composition of these funds can differ significantly and therefore can have different risk and potential return characteristics among different asset classes. The actual performance of the funds may differ depending on the investment options selected, timing of transactions, market conditions and other factors.
Fund Listing and Category
US Fund Real Estate
Vanguard Real Estate Index Admiral
Ticker
VGSLX
Fund Listing and Category
Target-Date Series
MoA Retirement Income Fund
MoA Clear Passage 2015 Fund™
MoA Clear Passage 2020 Fund™
MoA Clear Passage 2025 Fund™
MoA Clear Passage 2030 Fund™
MoA Clear Passage 2035 Fund™
MoA Clear Passage 2040 Fund™
MoA Clear Passage 2045 Fund™
MoA Clear Passage 2050 Fund™
MoA Clear Passage 2055 Fund™
MoA Clear Passage 2060 Fund™
MoA Clear Passage 2065 Fund™
Asset Allocation Series
MoA Conservative Allocation Fund
MoA Moderate Allocation Fund
MoA Aggressive Allocation Fund
T. Rowe Price Spectrum Cnsrv Allc I
T. Rowe Price Spectrum Moderate Allc I
T. Rowe Price Spectrum Mod Gr Allc I
Calvert Balanced R6
Fidelity Advisor Asset Manager® 50% Z
MoA Balanced Fund
Ticker
MARMX
MURFX
MURGX
MURHX
MURIX
MURJX
MURLX
MURMX
MURNX
MUROX
MURPX
MURQX
MACAX
MAMOX
MAANX
PPIPX
TPPAX
TGIPX
CBARX
FIKZX
MACHX
Fund Listing and Category
US Fund Foreign Large Blend
Calvert International Responsible Idx R6 MoA International Fund
US Fund Diversified Emerging Markets
American Funds New World R6
US Fund Foreign Large Growth
Vanguard International Growth Adm
Ticker
CDHRX
MAIFX
RNWGX
VWILX
Fund Listing and Category
MoA US Government Money Market Fund Vanguard Treasury Money Market Investor Invesco Stable Value Trust A1
Ticker
MAAXX
VUSXX
Fund Listing and Category
Ave Maria Bond
Calvert Bond R6
MoA Core Bond Fund™
MoA Intermediate Bond Fund
PIMCO Real Return lnstl
Vanguard Total Bond Market Index Adm
Ticker
AVEFX
CBORX
MABDX
MAMBX
PRRIX
VBTLX
Fund Listing and Category
US Fund Mid-Cap Blend
Calvert US Mid Cap Core Rspnb ldx I Fidelity Advisor® Mid Cap II Z
MoA Mid Cap Equity Index Fund Vanguard Strategic Equity Inv
US Fund Mid-Cap Value
MFS Mid Cap Value R6
MoA Mid Cap Value Fund
US Fund Mid-Cap Growth
American Century Heritage R6
BlackRock Mid-Cap Growth Equity K
US Fund Small Blend
Calvert Small-Cap R6
Goldman Sachs Small Cap Eq Insghts R6 MoA Small Cap Equity Index Fund
US Fund Small Value
Delaware Small Cap Value R6
MoA Small Cap Value Fund
US Fund Small Growth
MoA Small Cap Growth Fund
Victory RS Small Cap Growth R6
Ticker
CMJIX
FZAMX
MAMEX
VSEQX
MVCKX
MAMVX
ATHDX
BMGKX
CALRX
GCSUX
MASOX
DVZRX
MAVKX
MAGKX
RSEJX
Fund Listing and Category
US Fund Large Blend
American Funds Washington Mutual R6 Ave Maria Rising Dividend
Calvert US Large Cap Core Rspnb ldx R6 Goldman Sachs US Equity Insights R6 Invesco Main Street R6
MoA All America Fund
MoA Catholic Values Index Fund™
MoA Equity Index Fund
Neuberger Berman Sustainable Eq R6
US Fund Large Value
Dodge & Cox Stock
Fidelity Advisor® Equity Income Z Vanguard Windsor™ II Admiral™
US Fund Large Growth
DWS Capital Growth R6
Fidelity Advisor® New Insights Z
Harbor Capital Appreciation Retirement
T. Rowe Price Blue Chip Growth I
Ticker
RWMGX
AVEDX
CSXRX
GSEUX
OMSIX
MAAKX
MACCX
MAEIX
NRSRX
DODGX
FZAGX
VWNAX
SDGZX
FZANX
HNACX
TBCIX
LARGE US EQUITY
SMALL US EQUITY/
MID US EQUITY
FIXED INCOME
Money Market/
Stable Value
INTL/GLOBAL
EQUITY
BALANCED FUNDS
REAL ESTATE
A diverse lineup of mutual funds
Turning retirement plan participants
into smarter investors
Participant education is an essential element of our investment services, explaining to your employees which funds and asset classes are available under the plan, and making them aware of how the plan gives them significant advantages in saving for the future.
We don’t tell them what they should invest in—we show them how the retirement plan’s options give them the power to build their own customized portfolios targeting their unique goals, time horizon and tolerance for risk.
PARTICIPANT EDUCATION
*There is no separate fee for Mutual of America’s Financial Consulting Services, although there are minimum account balance requirements. The information provided by Mutual of America’s Financial Consultants is educational in nature and is not intended to serve as a primary basis for investment decisions. Mutual of America’s Financial Consulting Services do not create an investment advisory or a fiduciary relationship (including under ERISA) between you or your employees and Mutual of America. Mutual of America and its Financial Consultants do not provide tax or legal advice. Consult your personal tax adviser or attorney for matters involving taxation and tax planning and your attorney for matters involving personal trusts and estate planning.
Mutual of America offers a variety of engaging, informative touchpoints to ensure participants stay focused on preparing for retirement.
In-person meetings
These can be held at the jobsite, the participant’s home or another convenient location, or virtually. There’s no additional cost for these meetings.
Online account management
Participants can quickly and easily see their personal rate of return, rebalance their investments, set up automatic rebalancing, change or add beneficiaries, request a loan (if your plan permits) and much more.
SmartPlan app for IOS and Android
Participants can conveniently access their accounts from anywhere. The app also features captioning and Spanish translation.
Easy-to-read quarterly statements
Our quarterly statements are designed to be easy to scan, so participants can absorb key account information quickly.
Retirement readiness communications
Participants can find many helpful tools, resources and articles at mutualofamerica.com to help them save and invest for retirement.
Financial Consulting Services
For participants who meet minimum account balance requirements, we offer specially trained representatives who can help them evaluate their retirement income and asset needs, including pensions, personal savings and Social Security. There are no additional fees for this service.*
Connect with us:
We offer a full-service platform, backed by a talented and experienced staff. You’ll be able to offer your employees the opportunity to build retirement portfolios the way they want, targeting their unique goals for the future.
All of us at Mutual of America are committed to using our experience and expertise to help you offer a retirement plan that gives your employees a more effective, more valuable way to prepare for tomorrow.
Reimagine how your employees prepare for retirement
You should consider the investment objectives, risks, and charges and expenses of the funds carefully before investing. This and other information is contained in the funds’ prospectuses and summary prospectuses, which can be obtained by calling 800.468.3785 or visiting mutualofamerica.com. Read them carefully before investing.
To schedule a no-obligation Retirement Investment Analysis, call your local Mutual of America office
Call Now
866.954.4321
Download the Brochure
*Available for certain plan types.
Plan sponsors may engage their own Section 3(21) or Section 3(38) fiduciary adviser.
Fund menus will be indemnified against certain ERISA claims, provided that the core investment menu is used (subject to other terms and conditions).
Fund performance is reported net of all investment fees, so results can be examined on a comparatively equal basis.
*Available for certain plan types.
Plan sponsors may engage their own Section 3(21) or Section 3(38) fiduciary adviser.
Fund menus will be indemnified against certain ERISA claims, provided that the core investment menu is used (subject to other terms and conditions).
Fund performance is reported net of all investment fees, so results can be examined on a comparatively equal basis.
*Available for certain plan types.
Securities offered by Mutual of America Securities LLC, Member FINRA/SIPC, marketed under the Mutual of America Financial Group brand.
320 Park Avenue, New York, NY 10022-6839
mutualofamerica.com • 800.468.3785 •
Recordkeeping and administrative services are provided by Mutual of America Securities LLC. Evaluation and monitoring of the investment options included on our platform are performed by 320 Park Analytics LLC. Mutual of America Securities LLC and 320 Park Analytics LLC are subsidiaries of Mutual of America Life Insurance Company.
Asset allocation and diversification does not ensure a profit or protect against market declines.
This material is for plan sponsor use only. This material is not to be further distributed and is intended for the authorized recipient only.
This material is for informational or educational purposes only and does not constitute investment advice under ERISA, a securities recommendation under federal securities laws, or an insurance product recommendation under state insurance laws or regulations. This report is intended to provide you with information to help you make informed investment decisions.