OCR Text |
Show December Like a Strong Tree- 4 HILL TOP TIMES 9, 1977 tea 5 H J E 5?fa S3 6501 8C6320 ; 262349523409 - A A Page M A. A a - :;0o3405639046G6?290652934963g465duS43969Qn23AQ.i;n fp 323403o90669023C56HC23456?023456902309623495239436:3490623; t 02 962903456092?509623964059fi6 II 09623459005 UOiiWtUv:5Z003Al,.5t34! U3095209634590fr.590F3 7 I P J32906234065929CC'4f II 4?9?435S6Q2543962549602540692e9S42o 45309634069549065409609364396459 UM s 06456036iS?3 43524036&43640S24695246936d594gdA4fi4c6n;i l r??4O598234!!O9g2345O982345O253'Sd054230965i23C:9?54692543605423eOS:; '82396023546S3O69253409S2450S654329063dfi9?nA'QnACOMc f;3046209349204365294652340394A3048529349x3485i0ie63'''52i VJ98Z ;Sd6I6934i 'fl';9698439254954963 Mi VI I f Ti- - 4n ,3-- ' f i 4569223949346' 506934508d',a49 ' 60349o456 64052930 6249659604'' 96349069 -- j" -- N' c' 19023469 i24960534 66929456 I29S2469S 39296234 29639269 0234M90 'iSS4S301 ii ilM'i i Fs1 -- If you qualify, you can choose either an Individual Retirement Account (IRA) or the Keogh Plan for the self-employe- d. retirement. Your interest is compounded daily, 365 days a year. Your account is insured safe to $40,000 by an agency of the federal government. Your funds may be withdrawn as early as age 59 XA in a lump sum or by monthly checks. The Individual Retirement Account (IRA) The IRA plan has been designed for those people working for companies that do a qualified pension or retirement plan or who have just recently been employed and do not yet qualify under their company's plan. Individuals who are may select and qualify for an IRA rather than the Keogh Plan. With an IRA, you can set aside up to 15 of your earned income (but not to exceed $1,500 per year) and defer income tax on that amount until retirement. If a spouse is included, the maximum for the couple is the lesser of 15 of or $1,750 per year which must be set up in separate accounts for each, income earned of $875 in each account. a maximum with not offer ed non-workin- g Here's How an IRA Can Work for You After Years 10 Years 15 Years 20 Years 25 Years 30 Years Total Amount Contributed $ 7,500 15,000 22,500 30,000 37,500 45,000 s The Keogh Plan for the Self Employed -- in an uninTo qualify for a Keogh Retirement Plan you must be or business(sole corporated partnership). However, you are not proprietorship or of income to a have derived from self employment in all, required major part your order to qualify. If your company has qualified employees, they must be included. Under the Keogh plan, you can save a maximum of $7,500 per year, or 15 of whichever is less. your earned income from self-employ- You may qualify to defer from $1,500 to $7,500 a year of taxable income until retirement . . . depending on the retirement plan under which you qualify. (This tax deferment until retirement, in most cases, allows you to be taxed at a lower rate due to reduced income and age related exemptions.) You pay no commissions or fees. Your account earns high PFS interest which is also tax deferrable until 5 nilrii" destial Federal Savings Offers Two Government prowed, Tee: - Jjefetred Setlfem Frosrams nf-Savins- self-employ- riii.iui.i.Mi'iii" S4243! 34562345 Accumulated Earnings $ 2,020 8,545 21,707 44,646 81,991 140,558 -- Here's How a Keogh Plan Can Work for You Accumulated Value of Account at Year-EnContributed Earnings 5 Years $ 10,099 $ 47,599 $ 37,500 10 Years 117,724 42,724 75,000 15 Years 221,033 112,500 108,533 20 Years 223,232 373,232 150,000 25 Years 409,957 597,457 187,500 30 Years 923,792 698,792 225,000 7. r three-yea75 per annum curExample is based on a lump sum deposit of $7,500 in a rent rate PFS Savings Certificate, with all funds and interest earned thereon remaining in the account, with interest compounded daily. For complete details and a brochure explaining either of these programs, please 1 visit your nearest PFS office, phone our Hotline number: (outside the Salt Lake City area, call collect), or mail in the coupon below. Total Amount After d 486-432- I 1 Gentlemen: Please send me more information. Name Address City Value of Account at Year-En$ 9,520 23,545 44,207 74,646 119,491 185,558 d State Zip. Occupation Age. am particularly interested in: The IRA Plan for those without an employer sponsored retirement plan. The Keogh Plan for the Both. Mail to: Retirement Prudential Federal Savings P.O. Box 15500, Salt Lake City, Utah 841 15 I non-incorporat- 7.75 per annum (current Example based on lump sum deposits of $1,500 in a three-yea- r thereon remaining in the earned all and with interest PFS funds rate) Savings Certificate with interest account, compounded daily. self-employe- d. 'Note: By Federal Regulation all certificate accounts are subject to substantial interest penalties for withdrawals prior to maturity or retirement. Pmdenltial Ebdleira! Sasugs Personalized Financial Service Now over $600,000,000 strong. 2661 Washington Blvd., Ogden. Utah 84401 Phone 394-664- 1 75 North Fort Lane, Layton, Utah 84041 Phone 376-121- 5 |