Why Should I Participate? Your company qualified retirement plan can be a great way to save for retirement. Qualified plans offer these money-maximizing benefits.

Pre-Tax Investing			Federal and state taxes are deferred on qualified plan contributions so you pay less tax up front. Because of this tax deferral, it costs you less than $1 today to save $1 in your retirement plan.
	Contributions are invested before taxes are taken out.
Tax-Deferred Growth			You defer paying taxes on the money you contribute, as well as any company contributions and investment earnings, until money is withdrawn from the plan. Plus, you have the power of compounding - when the money invested in your qualified retirement plan earns money and then the earnings on that money may earn more money.
	Qualified plans offer tax advantaged, compounded growth.
Automated Saving			Payroll deductions ensure you're saving toward your retirement with every paycheck - automatically!
	Payroll deductions are an effective and systematic way to save.
Employer Match			Your employer may match your plan contributions, subject to certain limits. If you have the opportunity, take advantage of this benefit offered by your employer to increase your savings.
	An employer match is a great deal!

Note: Withdrawals prior to age 59 1/2, may be subject to income tax, including a 10% penalty.

These calculators are provided only as general self-help tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. These tools are not offers, representations or warranties by any member companies of The Principal Financial Group^®, and do not describe any specific products or services they offer. Before you use these tools, please read this important information.