Retirement Solutions Overview

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To help you create the retirement plan that's right for you, Lord Abbett offers a range of retirement solutions that address diverse needs and circumstances.

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IRAs

Account Type	Features	Who is it right for?	Additional Information

Traditional IRA	A Traditional IRA is a tax-deferred savings plan available to all working individuals under age 70½ and their spouses, if the spouse is also under age 70½ . It is set up for the exclusive benefit of an individual, although a beneficiary(ies) may ultimately receive the proceeds.	If the individual is not covered by a qualified plan and need tax-deferred retirement saving. If individual has fully funded a tax-deferred savings plan at work such as a 401(k) or 403(b) and wants additional tax deferral on savings. If individual needs to supplement their workplace retirement savings. If individual is a non-working spouse and has little retirement savings. If individual wishes to seed account with non-deductible dollars to take advantage of the Roth conversion opportunity.	Application - IRA IRA Transfer Application Eligibility Contributions Distributions
Roth IRA	A Roth IRA is a potentially tax-free savings plan available to individuals, and their spouses, also if they are married, subject to certain income requirements. Participation in a retirement plan does not affect individual's eligibility to contribute to a Roth IRA, unless contributing to one lowers your current income enough, allowing you to meet the income requirements. All withdrawals, including any investment appreciation, are potentially tax-free.	If an individual's income qualifies and they do not need or significantly benefit from receiving a current tax deduction on the contribution and/or receiving tax-free income from and IRA interests them. If an individual believes future tax rates will be higher than today's tax rates, so that dollars coming out, from a tax perspective, are worth more than dollars being contributed. If an individual is contemplating passing their Roth account along to the next generation, providing a tax-free legacy. This tax-efficient transfer is made easier, as the Roth IRA does require you to take withdrawals while the individual is alive. If an individual's spouse inherits their Roth IRA he/she also does not need to take withdrawals while still alive.	Application - IRA IRA Transfer Application Eligibility Contributions Distributions
Rollover IRA	When an individual leaves a job, the former employer is required to give them distribution options, one of them being the option of having an eligible distribution transferred directly, penalty- and tax-free, to an IRA or another qualified plan. The Lord Abbett no-cost rollover IRA should be considered.	If an individual is eligible to receive a qualifying distribution from a retirement plan on which they do not wish to pay current taxes on any distribution. If an individual wishes to continue tax deferral on their retirement savings. If an individual is separating from service after turning 55, but are currently under age 59½, they should only consider rolling over assets that they will not need before age 59½, as a 10% penalty reattaches upon completion of rollover as it (the 10% penalty) does not apply to the distribution from the qualified plan. If an individual has access to an in-service distribution and wishes to diversify their investments versus the options offered via their current retirement plan.	Application - IRA IRA Transfer Application Eligibility Contributions Distributions

Mutual Fund Accounts

Account Type	Features	Who is it right for?	Additional Information

General Mutual Fund Account	A General Mutual Fund account is taxable account where mutual funds are held.	These accounts are established for individual, joint Tenants with Right of Survivorship, or Tenants in common.	Mutual Fund Account Application
UTMA/UGMA Account	A Uniform Gifts to Minors account is managed by one	This account will allow the minor to own assets without an attorney setting up a special trust fund. The ownership of the funds works like it does with a trust, except that the donor must appoint a custodian to look after the account.	Mutual Fund Account Application
Estate Account	These types of accounts are held in the name of a decedent that is administered by an executor or administrator of the estate.	The account can be opened by the representative of the estate, usually referred to as an executor/trix or administrator/trix.	Mutual Fund Account Application
Corporation/Partnership Account	The account can be opened by the representative of the estate, usually referred to as an executor/trix or administrator/trix.	This account can be opened by S Corporation, C Corporation and LLC accounts.	Mutual Fund Account Application

Trust Accounts

Account Type	Features	Who is it right for?	Additional Information

Trust Account	A mutual fund account set up under a legal trust agreement for the benefit of an individual or group. A trust account is managed by a trustee.	Generally, upon the death of the Trustee, a successor Trustee is designated to manage the account.	Mutual Fund Account Application

Education Savings Account

Account Type	Features	Who is it right for?	Additional Information

Coverdell ESA	The Coverdell Education Savings Account (ESA) was created to help individuals save for a child's education expenses covering grades K-12 and qualified post-secondary education. An ESA is not a retirement plan; instead, it is an education savings device using the IRA model. Contributions are not tax-deductible, but when accumulations are used to pay qualified education expenses, the distributions are tax-free.	If an individual wants to save tax-efficiently for a child's education. If an individual is saving for education and wants to control where and how the funds are invested. Many Internal Revenue Code Section 529 plans (529 Plan) create an investment glide path and model portfolios based on the child's age, so the investor has no choice as to how the money is allocated. The 529 limits, however, are much higher and you can have both an ESA and a 529 plan.	Brochure - Coverdell ESA Update

Investors should carefully consider the investment objectives, risks, charges and expenses of the Lord Abbett Funds. This and other important information is contained in the fund's summary prospectus and/or prospectus. To obtain a prospectus or summary prospectus on any Lord Abbett mutual fund, you can click here or contact your investment professional or Lord Abbett Distributor LLC at (800) 821-5129. Read the prospectus carefully before you invest or send money.

Not FDIC-Insured. May lose value. Not guaranteed by any bank.
Copyright © 2013 Lord, Abbett & Co. LLC All rights reserved
Lord Abbett mutual funds are distributed by Lord Abbett Distributor LLC.
For U.S. residents only.

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