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DirectNEWS is a quarterly publication designed especially for retirement plan participants. The newsletters contain articles on various retirement and investment topics to help educate and assist participants in managing their retirement accounts.
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DirectNEWS - Fall 2017
 

Enhanced USICG Mobile App
Managing your retirement account on your mobile device has never been easier with the new and enhanced interface of the USICG Mobile App...

Manage My Investments – Change the investment allocation of your current balance and/or your future contributions
Portfolio Mix – View how your balance is currently invested
Balance by Investment – View information on each investment in your account, including number of shares, share price, daily change in price and the overall value of the investment
Personal Rate of Return – Review investment returns on your account Investment Performance – View rates of return for each available investment option
Account History – View your beginning balance, investment activity and ending balance for a selected date range

Check This Out!

When was the last time you reviewed your retirement plan investments? Choosing investments isn’t a “set and forget” situation...

Assess Asset Allocation
How is your account divided up among your plan’s investment choices?...

Peruse Performance
To see how an investment has been performing, check its total return over different time periods...

Restore Balance
How your investments perform can affect your asset allocation...

 

 
   
DirectNEWS - Summer 2017
 

Monitor and Modify at Midyear
How are you doing with your finances so far this year? Perhaps you’re in the habit of reviewing your financial situation only at the end of the year...

Review Plan Performance

It’s important that you review your retirement plan statements when you receive them...

Rebalancing Required?
How your investments perform may affect your asset allocation — the balance of different asset classes in your portfolio...

Smart Money Moves
In addition to reviewing your retirement plan investments, take a look at your overall financial situation...

Retirement… Are You Ready?

Retirement may once have seemed a long way off, but it just keeps getting closer every day. If you’ve reached that stage in your working life...

Start with Your Income
Of course, the first thing you need to know is where your retirement income will come from. If you’ve been contributing to your employer’s retirement plan for a long time...

Play with the Numbers
As retirement nears, you may want to make some adjustments to the mix of investments in your portfolio...

Here’s to Your Health
How will you pay for health care once you retire? When you turn 65, you’ll probably be eligible for Medicare...

Have a Plan
Have you thought about what you want to do in retirement? Maybe you’ll want to keep working. If a working retirement isn’t for you, think about how you want to spend your time...

Nobody Says You Have To
Remember that retirement is not just a physical separation from work — it’s also a psychological one...

 

 
   
DirectNEWS - Spring 2017
 

Pricing Your Retirement
Doing quick estimates of how much money you’ll need for retirement can help inspire you to put more money into your savings...

Lifestyle

How much do you expect your lifestyle to change after you retire, and how will that affect your cost of living?...

Timetable
What is your target retirement age? Your answer can greatly affect the amount of retirement funds you will need. If your timetable calls for retiring at age 62 or earlier...

Future Income
Besides Social Security, where will your retirement income come from? You may have an employer’s pension plan, tax-deferred savings, and/or taxable investments and savings to draw on...

Headroom for Extras
Will you have enough retirement income? Start with your current expenses. List them all, category by category, and adjust any amounts, such as transportation, taxes, and clothing, that you expect to change when you retire...

Retire to a Smaller Tax Bill


If you were choosing a place to retire, what would be most important to you?...

Income Tax - Less is More
The day of reckoning is at hand when you begin taking taxable distributions from your tax-advantaged retirement accounts...

Don't Forget Property Tax
State income taxes aren’t the only tax burden to consider. For homeowners, local real property taxes may be as much or more of an issue...

Other Taxes Count, Too
Sales taxes vary not only from state to state but from county to county and, sometimes, city to city...

 

 
   
DirectNEWS - Winter 2017
 

Stick to the Facts
How do you know if the time is right to change your retirement investments? How do you know if the time is right to change your retirement investments? It’s a challenging question that all investors face. Figuring out the answer will be easier if you remember one important thing: Look at the facts...

Review Often

Participating in your retirement plan is a long-term opportunity. To make the most of it, you should review your investments on a regular basis (at least annually) by checking the facts and making changes when necessary...

Are You Really Ready to Retire?


You may like the idea of retiring. The thought of sleeping in and being able to do what you want, whenever you want, is quite appealing. But the reality of retirement may be quite different than you imagine. Here are a few questions to ask yourself before you stop working...

Have I accumulated enough money in my retirement accounts?
A financial professional can help you determine if your sources of retirement income will cover your expenses during retirement...

How will I spend my time during retirement?
This next phase of life could last for many years. Staying active and involved may help you feel happy and healthy...

What do I need to know about Social Security and Medicare?
Social Security likely will be just one of your sources of retirement income and Medicare will help cover some of your health care expenses during retirement...

 

 
 
 
 
Direct News - 2016
Direct News 2015
 
 
     
     
     
         
 
 
     
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