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The Fundamentals of Investing
Do you know what your financial goals are? Are they to save for retirement? Pay college tuition for your children? Buy a house? Plan an extraordinary vacation? It is important to get into the habit of saving – whether for the long term or short term – to secure a successful financial future. Prioritizing your goals, developing a time frame and understanding basic investment concepts can help you determine the best way to meet your financial objectives.

Keep in mind that the earlier you can start investing, the easier it will be to reach your goal. Let’s say, for example, you are considering how much you should save monthly to achieve a retirement goal of $1 million by age 65. The graph below illustrates the amount of monthly savings at various ages needed to reach your goal using a 7% hypothetical rate of return. Remember that results may vary as investing involves risk, fluctuating returns, and the possibility of loss.


Monthly Savings Needed to accumulate $1 million by age 65
The earlier you start investing, the easier it is to reach your goals.

Determining your financial goals
Below are some basic education materials that may assist you in determining your financial goals.

 

		View & Print
	Understanding Mutual Fund Share Classes Understanding the differences between share classes allows you to make a more informed decision when investing in a mutual fund. Learn more here.
	Why Mutual Funds Learn the benefits of investing in mutual funds, including professional management, convenience and diversification possibilities.
	Understanding the Basics of Investing Understanding basic investment concepts can help you make educated investment decisions. Learn fundamental principles of investing here.
	Asset Allocation Brochure Having a time-tested investment strategy, such as asset allocation, is key to planning for retirement. Learn why asset allocation matters.
	The Mutual Fund Prospectus Reading a mutual fund prospectus can be a daunting task. Use these simple steps to help make it easier.
	How to read a Morningstar Fact Sheet - Coming Soon Ever wonder what those little details mean on a Morningstar fact sheet? Here is your key to understanding.

GLOSSARY of financial terms
For a list of commonly used financial terms and definitions, click here.

NOT FDIC INSURED  |  NO BANK OR FEDERAL GOVERNMENT GUARANTEE  |  MAY LOSE VALUE

You should consider the investment objectives, risks, charges and expenses of the PNC Funds carefully before investing. A prospectus may be downloaded and viewed with this and other information about the Funds or may be obtained by contacting an investment professional or by calling 1-800-622-FUND (3863). Please read it carefully before you invest or send money.

PNC Capital Advisors, LLC, a subsidiary of The PNC Financial Services Group Inc., serves as investment adviser to PNC Funds for which it receives an investment advisory fee. Shares of PNC Funds are distributed by Professional Funds Distributor, LLC (PFD), 760 Moore Road, King of Prussia, PA 19406. PFD is not affiliated with PNC and is not a bank.

©2010 The PNC Financial Services Group, Inc. All rights reserved.