Horace Mann Retirement AdvantageTM

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I'm just starting out

When it comes to retirement planning, it’s never too early to start saving. The earlier you start saving, the more time your retirement savings will have potential to grow. And good news – your employer’s retirement plan is one of the best places for you to save for your future. With every paycheck, you can invest money in an account designed exclusively for retirement. Plus, by saving in your retirement plan, you may lower your current income taxes.

Curb the coffee habit

Saving for retirement can sometimes be hard. After all, you have bills to pay. The truth is, many of us don’t do a very good job at saving for retirement. In fact, 34% of Americans spend more money each year on coffee than they do investing for retirement.*

Buying a cup of coffee every day may not seem like much, but over time, it adds up. The average American spends about $1,100 per year on coffee, which is approximately $92 per month. Here’s what could happen if you invested that $92 a month, starting at the ages shown below.

The value of a cup of coffee over time

price of coffee

To obtain a prospectus for investment options in Retirement Advantage, contact your Horace Mann Representative or click here.

Enroll now

Horace Mann Investors, Inc. offers Horace Mann Retirement Advantage™ as 403(b), 457(b) and 401(a) investment options through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a DE Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. You can receive prospectuses from your Horace Mann representative, by calling 877-602-1870 or by visiting horacemann.com/retirementadvantage. You should read the prospectuses carefully and consider the investment objectives, risks, charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about these subjects. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

Withdrawals from a 403(b), 457(b) and 401(a) account are restricted by the Internal Revenue Code and may be further restricted by your employer’s plan. Generally, you may make a withdrawal from a 403(b) account only upon reaching age 59½, severance from employment, disability or certain hardships (if allowed by the plan); a 457(b) account only upon reaching age 59½, severance from employment, disability or an unforeseeable emergency (if allowed by the plan); and a 401(a) account only upon reaching a specified age, severance from employment or disability. If you take money out before age 59½, you could be subject to a federal penalty tax of 10% (except for 457(b) accounts) in addition to income taxes. You should consult with a tax advisor regarding any tax-favored products.

Check the background of Horace Mann Investors Inc.

WBIA-0036 (Oct. 20)

Current clients: 800-677-2363
New enrollments: 844-895-0980

WBIA-0036 (8-20)

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