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www.CUofGA.org4Justintimeforyourbackyardcookoutherex19sabakedbeansrecipeyourfamilyissuretolovePreheatovento375degrees.Browndrainandcrumblesausage.Fryandcrumblebacon.CombineandmixketchupmustardBBQsauceandbrownsugar.Addonionbaconsausageandbeans.Mixwell.Bakeat375degreesfor25minutes.HelpfulTipDidyouknowFreshlemonjuicewillremoveonionscentfromhands.FormoresummertimerecipesandhelpfultipsswingbyanyCreditUnionbranchlocationtopickupacopyofourcookbookonsaleforjust4AllproceedswillsupportRelayforLife.Southernx19sFinestBakedBeansTForYoungerInvestorsTimeIsYourGreatestAssetThereisanoldsayingthatsaysthebestwaytoendupwithalotofmoneyistostartwithalotofmoney.Thegoodnewsforyoungerinvestorswhodonx19tstartwithalotofmoneyisthattheymayhaveanevenmorepowerfuladvantageontheirsidetime.SohowdoyouputtimetoworkforyouFollowthesethreekeystosuccessfulinvestingforyoungerinvestorsStartEarlyDeferTaxesInvestforGrowthStartEarlyWhenyouarejuststartingyourcareeritx19seasytoignoreorputoffplanningandsavingforthefuture.Retirementseemssofaraway.Howevermakingtherightdecisionswithinthosex0rstfewyearsintheworkforcecanmakeaworldofdifference.ThisisyourchallengeIfyouremployeroffersa401kmakeeveryefforttocontributethemaximumamounteachyear.Herex19swhyLetx19ssayyoustartedinvesting12000peryearinyouremployerx19s401kwhenyouwere21yearsold.Atage35youstopyourcontributionsandletthe401kgrowuntilyouareage65.Withan8annualreturnyour401kwouldbeworth3.27million.Nowwhatwouldhappenifyouwaiteduntilyouwere35yearsoldbeforeyoustartedyour401kcontributionsIfyoucontributedthatsame12000peryearandearnedthesame8youwouldhaveonly1.48millioninyour401katage65.AndwhatisevenmoresurprisingthanthefactthatstartingearlyresultedinanesteggmorethantwiceaslargeYoucontributedonlyhalfasmuchmoneytothelargernestegg180000over15yearsage21to35vs.360000over30yearsage35to65.DeferTaxesWhiletimemaybeyourgreatestassetoneofyourgreatestchallengesistaxes.Nomatterwhattaxbracketyouareintaxesslowdownhowfastyourmoneycangrow.Intheexampleaboveifyouhadstartedearlybutinvestedoutsideyour401kandwatchedtaxestakeabiteoutofearningseachyearyournesteggwouldhavegrowntoonly1.6million.Thatx19salmost1.7millionlessthanthe3.27millionthataccumulatedinyour401k.Hencetheimportanceofdeferringtaxesbyinvestingintax-deferredaccountslikea401k.InvestforGrowthAnotherwaytoputthepoweroftimetoworkforyouistoinvestforgrowth.Onewayofaccomplishingthisistoinvestinstocksthroughstockmutualfunds.Ofcourseinvestinginstocksalsomeansthereisapossibilitythatyoucouldlosemoneyx14thiswhereyoucanputthepoweroftimetoworkforyou.TalktoaProfessionalJustasinvestingearlyiskeytoyourx0nancialsuccesssoistalkingtoaprofessional.Takesometimeoutofyourbusyscheduletomeetwithanadvisorwhocanhelpyousetrealisticgoalsandshowyouhowtoinvesttoachievethem.UsingannualtotalreturnsoftheStandardandPoorx19s500Index.SamDavisisaFinancialAdvisorwithCUofGAFinancialServiceslocatedatCreditUnionofGeorgia.IfyouhaveanyquestionsorwouldliketoprovidefeedbackregardingtheinformationpresentedinthisarticleyoumaycontactSamat678-322-2241orsam.davisCUofGA.org.CONTENTDEVELOPEDBYCUNABROKERAGESERVICESPROVIDEDBYCUofGAFINANCIALSERVICESREPRESENTATIVESAMDAVIS3.27MillionStartAge21StopAge35StartingEarly1.48MillionStartAge35StopAge65StartingLaterINGREDIENTS1-16Oz.CanBushx19sOriginalBakedBeans1-16Oz.CanBushx19sHoneyBakedBeans1-Lb.JimmyDeanMapleFlavoredSausage1-SmallOnionMinced6-SlicesBacon-CupJackDaniels7OriginalBBQSauce-CupKetchup-CupBrownSugar1-Tsp.MustardSupportaGreatCauseReceiveaFabulousCookbookforOnly43.27MillionInsideYour401kTax-Deferred1.6MillionOutisdeYour401kTaxableRepresentativesareregisteredsecuritiesaresoldandinvestmentadvisoryservicesofferedthroughCUNABrokerageServicesInc.CBSImemberFINRASIPCaregisteredbrokerdealerandinvestmentadvisor2000HeritageWayWaverlyIowa50677toll-free866512-6109.Nondepositinvestmentandinsuranceproductsarenotfederallyinsuredinvolveinvestmentriskmaylosevalueandarenotobligationsoforguaranteedbythefinancialinstitution.CBSIisundercontractwiththex0nancialinstitutionthroughthex0nancialservicesprogramtomakesecuritiesavailabletomembers.