Offer Your Employees a Retirement Plan With Choice

Fred Reish, one of the most influential people in the 401(k) industry¹, and Stephanie Bennett have written Nationwide Retirement Innovator^®: Fiduciary Protection under 404(c) to help plan sponsors offer a program designed to meet the needs of their employees.

According to Reish and Bennett, Innovator in a simple package combining Nationwide^® Target Destination Funds and Nationwide Financial^® Fund Window not only helps plan sponsors with participants who are unsure of investment strategies, but it also offers choice and control to those who want it.

Target Maturity Funds are designed for people who plan to retire during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time. As a result, the funds become more conservative as the participant approaches retirement.

It's important to remember that no strategy can assure a profit or prevent a loss in a declining market. The Nationwide Target Destination Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Nationwide Target Destination Funds, investors are indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds.

For more information about the available investment options in the Nationwide Retirement Innovator, including all charges and expenses, please consult a fund prospectus. Fund prospectuses and additional information relating to your retirement plan can be obtained by contacting your pension representative. Before investing, carefully consider the fund's investment objectives, risks, charges and expenses. The fund prospectus contains this and other important information. Read the prospectus carefully before investing.

Ready to learn more?

· Find out more about the features of this program  (PDF)

· Nationwide Retirement Innovator®: Fiduciary Protection under 404(c); the white paper written by Fred Reish and Stephanie Bennett describing the new program and its potential benefits for plan sponsors (available only electronically) (PDF)

· A summary of the Reish and Bennett white paper  (PDF)
 

 Please note: Innovator is available with additional features that administrators can add as clients’ needs change.

Questions?

If you have any questions, please call 1-888-262-401k. 

¹ 401(k)Wire Industry’s 2007 Fifty Most Influential Persons (2007).

^* Please note that the investment options offered through the Nationwide Financial^® Fund Window may require investment expertise and/or professional management advice to prudently manage. Nationwide^® does not monitor these funds. In addition, some of these investment options may have higher Nationwide asset fees than the designated investment options. Nationwide does not make recommendations or give investment advice.

^* Trust programs and trust services are offered by Nationwide Trust Company, FSB, a division of Nationwide Bank^®. Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation.

^* Nationwide, Nationwide Financial, Nationwide Bank, the Nationwide framemark, Nationwide Retirement Innovator and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. The Best of America is a federally registered service mark of Nationwide Life Insurance Company.

© 2008, Nationwide Financial Services, Inc. All rights reserved.

• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value 

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