(PUB) Investing 2015

your pre-retirement annual income available to you after you retire. While I can’t vouch for Fidelity’s math, I do agree with the underlying message: When it comes to your retirement, the more you can save, the better. Savings Limits Stalled According to many who viewed the Federal Reserve’s bond purchasing pro- gram (also known as quantitative easing) skeptically, all that buying was supposed to lead to inflation, if not hyper-inflation. It has not. So far inflation remains tepid. In fact, inflation has remained so low that it hasn’t triggered much in the way of increases in retirement savings contri- bution limits. With a $500 boost, inves- tors will be able to save up to $18,000 in 401(k), 403(b) and 457 plans in 2015. IRA and SIMPLE plan account hold- >

Contribution Limits for Retirement Savings Accounts 2014 2015

Notes

$5,500 $12,000 $52,000 $17,500

$5,500 $12,500

Indexed to inflation Indexed to inflation

IRA

SIMPLE IRA

$53,000 Up to 25% of comp.

SEP IRA*

401(k), 403(b) & 457 Plans Indexed to inflation *Contribution is the lesser of the percentage allowed or the limits as stated. 20% for sole proprietors. Check with your accountant for the specifics of your individual situation. $18,000

Catch-Up Limits

2014

2015

Notes

$1,000 $2,500 $5,500

$1,000 $3,000 $6,000

Indexed to inflation Indexed to inflation Indexed to inflation

IRA

SIMPLE IRA

401(k), 403(b) & 457 Plans

ers can sock away $5,500 and $12,500, respectively. These levels, established by the Pension Protection Act of 2006, are a huge improvement over what they were earlier this decade. The pre-2002 limit was set at $2,000 a year for IRAs,

$6,500 a year for SIMPLE plans and $10,500 a year for 401(k), 403(b) and 457 plans. I like the higher amounts, and you should, too. As you know, I’m a big believer in retirement savings plans, contributing the

December Special Distributions

Health Care

$18.523 $1.285 $0.643 $0.562 $0.217 $1.673 $0.861 $0.177 $1.171 $0.601 $0.653

Mortgage-Backed Securities ETF $0.226 NJ Long-Term Tax-Exempt $0.053 OH Long-Term Tax-Exempt $0.065 PA Long-Term Tax-Exempt $0.023 Pacific ETF $0.629 Pacific Index $0.116 PRIMECAP $6.868 PRIMECAP Core $1.567 REIT ETF $1.103 REIT Index $0.357 Russell 1000 ETF $0.491 Russell 1000 Growth ETF $0.424 Russell 1000 Value ETF $0.601 Russell 2000 ETF $1.071 Russell 2000 Growth ETF $0.641 Russell 2000 Value ETF $1.503 Russell 3000 ETF $0.502 S&P 500 ETF $1.026 S&P 500 Growth ETF $0.377 S&P 500 Value ETF $0.478 S&P MidCap 400 ETF $1.225 S&P MidCap 400 Growth ETF $0.792 S&P MidCap 400 Value ETF $1.417 S&P SmallCap 600 ETF $1.091 S&P SmallCap 600 Growth ETF $0.758 S&P SmallCap 600 Value ETF $1.284 Selected Value $1.573 Short-Term Bond ETF $0.183 Short-Term Bond Index $0.013 Short-Term Corporate ETF $0.277 Short-Term Government ETF $0.065 Short-Term Inflation ETF $0.395 Short-Term Inflation Index $0.173 Short-Term Investment-Grade $0.023 Short-Term Treasury $0.009 SmallCap ETF $1.664 SmallCap Growth ETF $1.253 SmallCap Growth Index $0.299 SmallCap Index $0.707 SmallCap Value ETF $1.845 SmallCap Value Index $0.406 Social Index $0.164 STAR $0.843

STAR Cons. Gro.

$0.574 $0.492 $0.152 $0.418 $1.873 $2.677 $0.801 $0.452 $0.582 $0.352 $0.587 $0.373 $0.591 $0.386 $0.600 $0.560 $0.471 $0.125 $2.251 $1.142 $0.381 $0.028 $0.093 $0.400 $0.126 $0.561 $0.258 $0.378 $0.148 $2.477 $0.282 $0.824 $0.414 $0.513 $0.189 $0.672 $1.781 $1.107 $3.028 $0.379 $0.143 $1.408 $0.522

500 Index

$0.981

Health Care ETF Health Care Index

STAR Growth STAR Income

Admiral T-M Balanced $0.150 Admiral T-M Capital Appreciation $1.607 Admiral T-M SmallCap $0.455 Balanced Index $0.155 Capital Opportunity $2.185 Capital Value $1.669 Consumer Discretionary ETF $1.432 Consumer Discretionary Index $0.740 Consumer Staples Index $1.186 Consumer Staples ETF $2.417 Convertible Securities $1.133 Developed Markets ETF $0.240 Developed Markets Index $0.057 Diversified Equity $1.577 Dividend Appreciation ETF $0.458 Dividend Appreciation Index $0.176 Dividend Growth $0.538 Emerging Markets Gov’t Bond ETF $0.316 Emerging Markets Select Stock $0.255 Emerging Markets Stock ETF $0.174 Emerging Markets Stock Index $0.098 Energy $3.943 Energy ETF $2.209 Energy Index $1.104 Equity Income $1.243 European ETF $0.291 European Index $0.147 Explorer $14.111 Explorer Value $1.855 Extended Duration Treasury ETF $1.370 Extended Market ETF $1.141 Extended Market Index $0.769 Financials ETF $0.331 Financials Index $0.166 Global Equity $0.375 Global ex-U.S. Real Estate ETF $1.356 Global ex-U.S. Real Estate Index $0.538 Global Minimum Volatility $0.683 GNMA $0.009 Growth & Income $2.976 Growth ETF $0.406 Growth Index $0.190

High Dividend Yield ETF High Dividend Yield Index

STAR Mod. Growth

Strategic Equity

Industrials ETF Industrials Index

Strategic SmallCap Equity Target Retirement 2010 Target Retirement 2015 Target Retirement 2020 Target Retirement 2025 Target Retirement 2030 Target Retirement 2035 Target Retirement 2040 Target Retirement 2045 Target Retirement 2050 Target Retirement 2055 Target Retirement 2060 Target Retirement Income Telecom Services ETF Telecom Services Index Total Bond Market ETF Total Bond Market Index Total International Bond ETF Total International Stock ETF Total International Stock Index

Inflation-Protected Securities Information Technology ETF Information Technology Index Intermediate-Term Bond ETF Intermediate-Term Bond Index $0.062 Intermediate-Term Corporate ETF $0.368 Intermediate-Term Government ETF $0.097 Intermediate-Term Invest.-Grade $0.079 Intermediate-Term Treasury $0.013 International Explorer $1.422 International Growth $0.494 International Value $0.946 LargeCap ETF $0.483 LargeCap Index $0.182 Long-Term Bond ETF $0.324 Long-Term Bond Index $0.003 Long-Term Corporate ETF $0.340 Long-Term Government ETF $0.181 Long-Term Investment-Grade $0.141 Long-Term Tax-Exempt $0.027 Long-Term Treasury $0.193 MA Tax-Exempt $0.067 Managed Payout $0.040 Materials ETF $1.892 Materials Index $0.962 MegaCap ETF $0.376 MegaCap Growth ETF $0.323 MegaCap Value ETF $0.400 MidCap ETF $1.569 MidCap Growth $3.209 MidCap Growth ETF $0.794 MidCap Growth Index $0.252 MidCap Index $0.379 MidCap Value ETF $1.472 MidCap Value Index $0.529 Morgan Growth $3.016

Total Stock Market ETF Total Stock Market Index Total World Stock ETF Total World Stock Index

U.S. Growth U.S. Value Utilities ETF Utilities Index Value ETF Value Index

Wellesley Income

Wellington

Windsor

Windsor II

World ex-U.S. ETF World ex-U.S. Index

World ex-U.S. SmallCap ETF World ex-U.S. SmallCap Index

14 • Fund Family Shareholder Association

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