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July 29, 2010 |     |
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Comparison to Broker IRAs
and Variable Annuities Here's how Scarborough's fees compare:
Pay 3 types of fees...or choose not to
Example of broker IRA fees
Example of Variable Annuity fees
2 Mutual fund Class B or C shares; the annual expense represent an average of funds in the Morningstar database. A broker may be offering funds that have higher or lower expenses. 3 This number represents a variable annuity offer through a major insurance company and includes optional riders. The variable annuity offered to you may have higher or lower expenses. Consult the product prospectus for specific information. 4 Conservative Growth Portfolio, includes Scarborough fee of 0.70%. The Pimco funds may use investment strategies that involve interest expense. As of 12/31/09, the annual interest expense was 0.04% (4/100ths of 1%). 5 Lower commissions are available if the broker uses the same fund families and utilizes breakpoints. Pay high annual expenses...or not High expenses can erode your retirement savings! This example shows an initial $400,000 lump sum pension amount and monthly withdrawals of $2,000 (assuming 8% annual earnings).
If you are interested in completing an expense comparison, you can use the FINRA Mutual Fund Expense Calculator. This will help you understand the importance of expenses. 6 This is a hypothetical example and does not represent any actual plan performance. These returns do not represent a guarantee of future results. |
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