Funding Your Retirement

A successful retirement strategy includes identifying and maintaining income streams.

Your retirement strategy should identify and manage your income throughout your retirement. Consider these questions:

• When should you begin Social Security benefits?
• How can you generate the income you need for retirement?
• What strategies can help you make the most out of the sources you have?

Let MetLife can help you optimize your personal retirement goals.
Learn more.

Envisioning Your Retirement
Determining What Retirement Will Cost
Protecting Your Retirement Income

¹Million Dollar Journal, April 07.

* The is often referred to as the rule of 25. It is a financial planning concept that uses a Monte Carlo analysis to determine the likelihood that a particular investment account will last 30 years assuming that 4% (increased annually by an inflation figure of 3%) of the initial account value is withdrawn each year. Based on this analysis, it is often suggested that if you save at least 25 times the original 4% amount and you withdraw only the 4% amount (adjusted for inflation each year) there is at least a 50% chance that the account will last 30 years. The Monte Carlo calculations used to illustrate this concept applies various assumptions based on the account’s asset allocation, hypothetical rates of return, various standard deviations applied to each asset class and a hypothetical turnover rate. Depending on the particular Monte Carlo software used, the calculation may or may not account for the potential impact of fees, expenses or taxes. Any such illustration will produce a hypothetical set of returns does not represent investment in any specific product.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this website is not intended to (and cannot) be used by anyone to avoid IRS penalties. This website supports the promotion and marketing of investment and insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.

A variable annuity is a long-term financial vehicle designed for retirement purposes. In essence, a variable annuity is a contractual agreement in which payment's is/are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations, fees, and charges associated with variable annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. Early withdrawals may be subject to surrender charges, and taxed as ordinary income and, in addition, if taken prior to age 59½, an additional 10% federal income tax penalty may apply. Withdrawals reduce annuity contract benefits and values. Investments in variable annuities will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are not guaranteed by FDIC or any other government agency and are not deposits or other obligations of, or guaranteed or endorsed by, any bank or savings association.

Variable annuities are sold by prospectus only which is available from your registered representative. You should carefully consider the information in the prospectuses about the contract's features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or surrendered it may be worth more or less than its original value.

Like most insurance policies and annuity contracts, MetLife’s policies and contracts contain exclusions, limitations, reduction of benefits, withdrawal charges and terms for keeping them in force. A MetLife Representative can provide you with costs and complete details.

Insurance and annuities issued by Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities offered through MetLife Securities, Inc. (MSI) (member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.

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