My Retirement

You've spent a lifetime working hard and now you're getting ready for retirement - or perhaps you're already there. The question is, do you have enough money saved to enjoy your retirement to the fullest?

The Effect of Starting to Invest Early vs. Waiting*

Regardless of what stage of saving you're in, there are a variety of factors to consider such as the likelihood of a lengthy retirement. Or, with life expectancies on the rise, a retirement lasting 30 years or more is not uncommon. Also, the cost of living in retirement may be a lot more than you anticipated. And traditional income sources like Social Security and pensions may not be sufficient to fund your lifestyle.

What can you do to supplement your retirement income? How can you be certain there will be enough money when you need it? A variable annuity from Prudential may be the answer.

*These examples are intended to illustrate interest compounding and make no indications about performance. Illustrations assume interest rate of 6%, 8%, and 10%.

Investing a smaller dollar amount over a longer time horizon can have a greater impact on investment results than investing a higher dollar amount for a shorter period of time. This chart shows the dollar values at age 65 for a 25 year old investing $75 a month and a 35 year old investing $100 a month. By beginning to invest earlier, the 25 year old was able to invest less each period and achieve a higher account balance at age 65.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained on the prospectus page or from your financial professional. You should read the prospectuses carefully before investing.

Annuities are issued by Prudential Annuities Life Assurance Corporation. Securities products are distributed by Prudential Annuities Distributors, Inc. Both Prudential Financial companies are located in Shelton, CT. Each is solely responsible for its financial condition and contractual obligations.

Prudential Annuities is a business unit of Prudential Financial.

Wachovia Corporation is the majority owner and Prudential Financial, indirectly through subsidiaries, is a minority owner of Wachovia Securities, LLC.

Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates.

© Copyright 2008 Prudential Financial, Inc. All Rights Reserved.


IFS-A135558 Ed. 08/2008