Guaranteed Account - CUNA Mutual Group

Guaranteed Account
(Now retirement really can feel this secure)

In today’s economy, we’re all looking for
ways to make the future feel safer.
Like many people, you’ve spent your life working
hard, saving diligently, and following a retirement
investment strategy designed with an eye to the
long-term.
But the economic crisis may have turned your
plans upside down or set them back. So where do
you go from here How do you keep investing with
a sense of security that the bottom won’t fall out
of your savings
The Guaranteed Account can help.
CUNA Mutual Group’s stable value options have historically
offered rates similar to short- and intermediate-term
bonds, without their volatility.
$50,000
$40,000
$30,000
$20,000
$10,000
$0
Dec-84
Dec-86
Growth of $10,000
CMG Stable Value
USF Money Market
3 Year Treasuries
Dec-88
Dec-90
Dec-92
Dec-94
These returns are the annualized returns for the period from 12/31/1984 to 12/31/2010.
The Stable Value Account percentage is based upon the average of monthly rates
credited to group fixed annuity contracts of CMFG Life Insurance Company from
12/31/1984 to 12/31/2010, the Money Market rate is the average of the monthly rates
earned on the Ultra Series Money Market Fund during the same period, while the
U.S. Treasury return calculations are based on publicly available interest rates each
month. Past performance is no indication of how these products will perform in the
future. For additional information on the differences between the products being
compared and how these statistics were derived see footnote on the back cover. 1
Dec-96
Dec-98
Dec-00
Dec-02
Dec-04
Dec-06
Dec-08
Dec-10

Every investor, regardless of age and circumstance,
can benefit from keeping a portion of their assets
in a stable value account. This can create a strong
foundation for an investor with a long timeline, and
helps protect a lifetime of hard work for investors who
are closer to, or in, retirement. So how much is enough
Though the actual investment amount will be
determined by an individual’s needs and risk tolerance,
this general rule is a starting point to discuss with your
investment professional:
Percentage invested in equities =
Your age – 30 = % Guaranteed Account
These examples illustrate different investing scenarios based on varying ages and life stages.
10%
Guaranteed
Account
20%
Guaranteed
Account
30%
Guaranteed
Account
90%
Equities
80%
Equities
70%
Equities
Sydney, age 40
(40 – 30 = 10)
Laurie, age 50
(50 – 30 = 20)
George, age 60
(60 – 30 = 30)
Guarantee of principal.
Your investment is guaranteed by CMFG Life
Insurance Company (CMFG Life). 2 Few investment
options can offer this kind of promise. The Guaranteed
Account can because it’s backed by the strength and
strong capital ratios of CMFG Life, an industry leader
for more than 75 years. CMFG Life has an “A” (excellent)
ranking from AM Best and a long history of stability. 3
No hidden fees.
With the Guaranteed Account there’s no guesswork
on the rate of return. The interest rate is set at the
time of investment, and you will receive 100% of the
declared interest rate. 4 You can figure out exactly
what your account is worth at any given time, without
worrying you’ll have to adjust later
for hidden fees.
Know your interest rate.
CMFG Life intends to declare new interest rates
quarterly, if necessary. You’ll have access to the new
rates when they go into effect.
Contributions, transfers, and withdrawals
at any time—without penalty or hassle.
You can move money into and out of the account
whenever the time is right for you, without surrender
charges, fees, or restrictions. 5 For investors, the
account is as liquid as most money market funds, but
with a guaranteed payback. 2
The option to create a lifetime income stream.
Unlike many stable value funds, the Guaranteed
Account can be converted to an annuity to provide
a steady flow of income throughout the retirement
years. You’ll have a choice of lifetime income options
to meet your unique retirement needs.

1
The comparison of stable value accounts, money market funds, and 3-year U.S. Treasuries only shows the differences in annualized rates of return.
The stable value account may be subject to a market value adjustment and may be less liquid than a money market mutual fund or U.S Treasury
Securities. Money market funds invest in short-term notes and interest rates fluctuate daily. The Ultra Series Money Market fund’s performance may
not be indicative of the performance of all money market funds. U.S. Treasury Securities are subject to daily changes in market value. In addition,
U.S. Treasuries are backed by the full faith and credit of the U.S. Government. The comparison is not suggesting that stable value options
are better than money market funds or U.S. Treasuries. Individual investor needs determine suitability. Contracts or prospectuses should be
reviewed for specific features and limitations. The stable value accounts offered by CMFG Life Insurance Company are a fixed group annuity
contract. The terms and conditions of those annuity contracts have been amended and are re-filed from time to time, however, the interest
crediting methods have the same stable value objective.
2
All guarantees are subject to the ability of CMFG Life Insurance Company to honor such guarantees.
3
Based on CMFG Life Insurance Company’s 2010 annual report. “A” excellent rating is the third-highest of 16 categories assigned by A.M. Best.
4
If your employer cancels the contract, your investment in the Guaranteed Account will be subject to a market value adjustment. This
adjustment is determined by comparing today’s yield to the average yield over the last 60 months of the Merrill Lynch BBB 7- to 10-year U.S.
Corporate Index. The adjustment is applied to participant accounts and may be negative.
5
You should carefully consider the risks of the contract before allocating any amounts to the contract. Exchanges between Guaranteed Account
and any available fund can be made any business day. The Stable Value interest is credited daily. There are no penalties assessed by the
Guaranteed Account for benefit payments or other withdrawals taken by participants. Investment and insurance products are not federally
insured, involve investment risk, may lose value, and are not obligations of or guaranteed by any financial institution other than
CMFG Life Insurance Company.
The Guaranteed Account is a fixed, group annuity issued by CMFG Life Insurance Company. After any guaranteed interest period, interest is set
quarterly and applied on an annual basis. Any stated interest rate may not have been adjusted to reflect plan administration, transaction or
contract fees. Certain contract fees are currently waived.
Annuities are not insured by the FDIC/NCUSIF, are not obligations or deposits of any bank/credit union, nor guaranteed by any bank/credit union,
and involve risk, including the possible loss of principal invested if the issuing insurance company is unable to meet its obligation.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.
10001277-MHC-0411 © CUNA Mutual Group, 2011 All Rights Reserved.
CMFG Life Insurance Company
2000 Heritage Way
Waverly, Iowa 50677
www.cunamutual.com/guaranteedaccount