Investing

OneAmerica Financial is the marketing name for the companies of OneAmerica Financial. Products issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica Financial company. Administrative and recordkeeping services provided by McCready and Keene, Inc. or OneAmerica Retirement Services LLC, companies of OneAmerica Financial which are not broker/dealers or investment advisors. Group annuity contracts are issued by American United Life Insurance Company® (AUL) and registered variable annuity products are distributed by OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC, One American Square, Indianapolis, IN 46282. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. All numeric examples and any individuals shown are hypothetical and were used for explanatory purposes only. Actual results may vary.  Past performance is not a guarantee of future results. • Funds that invest in high-yield bonds are subject to greater credit risk and price fluctuations than funds that invest in investment grade bonds. • Please note that the use of asset allocation or diversification does not assure a profit or guarantee against a loss. • Funds investing in stocks of small, mid-sized, and emerging companies may have less liquidity than those investing in larger, established companies and may be subject to greater price volatility and risk than the overall stock market. • Investing in international markets involves risks not associated with investing solely in the U.S., such as currency fluctuation, potential political and diplomatic instability, liquidity risks, and differences in accounting, taxes, and regulations. • The S&P 500 Index is a widely recognized unmanaged index of equity prices and are representative of a broader market and range of securities. The Index return assumes reinvestment of all distributions and does not reflect the deduction of taxes and fees. Individuals cannot invest directly in the S&P 500 Index, however, an individual can invest in exchange traded funds or other investment vehicles that attempt to track the performance of the S&P 500. • Neither AUL, McCready and Keene, OneAmerica Retirement Services, OAS nor their representatives provide tax or legal advice.  For answers to your specific questions please consult a qualified attorney or tax advisor. • Funds that invest in a concentrated sector or focus on a relatively small number of securities may be subject to greater volatility than a more diversified investment. • Bond funds have the same interest rate, inflation, and credit risks that are associated with the underlying bonds owned by the fund. • Investing involves risk which includes potential loss of principal. • Money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency.  Although they seek to preserve the value of your investment at $1.00 per share, it’s possible to lose money by investing in money market funds. • Investing involves risk which includes potential loss of principal. • Variable products are sold by prospectus.  Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to One American Square, Indianapolis, IN 46282, 1-800-249-6269.  Before investing, carefully consider the fund’s investment objectives, risks, charges, and expenses.  The product prospectus and underlying fund prospectus contain this and other important information.  Read the prospectuses carefully before investing.

The views and opinions expressed by Peter Dunn (aka Pete the Planner) are solely his and do not necessarily reflect the views and opinions of the companies of OneAmerica. Pete the Planner's content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice. Pete the Planner is not an affiliate of any OneAmerica company.

Target Date Funds are designed for people who plan to retire and begin taking withdrawals during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments; the funds will shift assets from equities to fixed-income investments over time. As a result, the funds become more conservative over time as you approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market and the principal value of the Target Date Funds is not guaranteed at any time, including the target date. Target Date Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds.Therefore, in addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds.The principal amounts invested into these funds are not guaranteed at any point and may lose value.