A BNY MELLON COMPANY

Products & Performance

Retirement Plans

A secure retirement is something all investors aim to achieve. With careful planning, professional guidance and ongoing assessment, you'll be able to plan with an IRA or retirement plan that's right for you.

Learn more about the various retirement savings plans that exist and what types of retirement savings plans Dreyfus offers.

There are many different products you could use to build wealth for retirement. You could invest in mutual funds, or buy stocks and bonds. So why open an IRA? Because it is specially designed for retirement savings, and offers advantages you won't find with other financial products.

With a Traditional IRA, contributions may be tax-deductible, and your earnings and tax-deductible contributions are not taxed until withdrawn, providing the benefit of tax-deferred growth. A Roth IRA also provides for tax-deferred growth, and although contributions are not tax deductible, contributions and earnings can be withdrawn tax-free if certain conditions are met.

IRAs Offered by Dreyfus

  • Tradtional IRA - Traditional IRA investors can benefit from tax-deferred earnings, regardless of their income level.
  • Roth IRA - The major advantage of a Roth IRA is that you will be eligible for tax-free distributions if you make a qualified withdrawal.
  • Rollover IRA - This plan is basically a Traditional IRA that you can move money into from other retirement plans (an old 401(k), 403(b) or another IRA) and maintain tax-deferred growth.
  • SEP IRA - This retirement plan offers a valuable investment opportunity for self-employed individuals and small business owners.
  • SIMPLE IRA - This retirement plan for small businesses can serve as a valuable retirement savings alternative to a traditional 401(k) plan.

This does not constitute tax advice. Consult your tax advisor. There are fees, expenses, deferred taxes and penalties and withholding for early withdrawals associated with IRAs.

Investors should consider the investment objectives, risks, charges, and expenses of a fund carefully before investing. Download a prospectus that contains this and other information about a fund, and read it carefully before investing.

Tax law provides an opportunity for owner-only businesses and self-employed individuals to save more for retirement when compared to other retirement plan alternatives. Contributions, in the form of salary deferrals and profit sharing contributions, can total as much as $50,000 in 2012 ($55,500 if age 50 or older).

In addition to these higher contribution limits, other advantages include the ability to take a loan from the plan and the limited administration required with an individual 401(k) plan.

Download the Small Business Retirement Plan Solutions from Dreyfus brochure.

Call 1-800-THE LION to learn more about how an Individual 401(k) can help build your retirement savings.

Investors should consider the investment objectives, risks, charges, and expenses of a fund carefully before investing. Download a prospectus that contains this and other information about a fund, and read it carefully before investing.

The 403(b)(7) Advantage: Specifically Designed for Your Retirement

As an employee of an educational or non-profit organization, you have an opportunity to save for your future by investing in a 403(b)(7) plan. This plan enables you to conveniently build assets for retirement through automatic salary reduction — while enjoying significant tax benefits today.

Two Key Tax Benefits

With a 403(b)(7) plan, you authorize your employer to deduct a portion of your salary on a pre-tax basis. These amounts are automatically deposited in a special tax-deferred account held with a designated custodian. Not only is the money you contribute free from current federal income taxes, but any money you earn in the account accumulates tax free until you begin making withdrawals, presumably when you retire.

Thanks to the power of tax-deferred compounding, this plan lets you enjoy considerable tax savings throughout your working years and have a nest egg to draw on once you retire. Even modest contributions can grow to a sizable amount when you invest regularly on a tax-deferred basis.

Six Good Reasons to Get the Dreyfus 403(b)(7) Advantage

Investing your 403(b)(7) account with The Dreyfus Family of Funds (Dreyfus) combines the benefits of tax deferral through payroll reduction with the investment diversity and flexibility you deserve.

The result is a powerful retirement investment vehicle to help you plan your financial future.

The Dreyfus Corporation has been helping investors build assets for their future for over 50 years. Dreyfus understands the importance of your retirement security. We are always striving to raise the bar by providing superior service and investment products.

1. A Tradition of Quality You Can Count On
When you invest with Dreyfus, you have the advantage of investing in a family of mutual funds from one of the best-known and most widely respected mutual fund companies in America.

Dreyfus, established in 1951 and headquartered in New York City, is one of the nation's leading managers of investment products and strategies, backed by the strength and resources of the global financial services powerhouse, BNY Mellon.

Dreyfus provides unique access to BNY Mellon Asset Management's exclusive and diverse global network of world-class asset managers, delivering powerful investment insight and strategies, backed by the strength of our commitment to quality, performance and client relationships.

In today's global economy, navigating the world of investing is becoming an increasingly complex task. Investors — faced with more choices than ever — are demanding expert knowledge and quality investments. That's where Dreyfus can help. By combining our investment expertise with a full range of sophisticated product solutions, Dreyfus can help investors make the right decisions in a rapidly evolving marketplace.

2. Investment Diversity
Dreyfus recognizes that every individual has different investment needs and goals. That's why Dreyfus offers a full range of mutual funds, from conservative to the more aggressive.

The investment options let you choose among a variety of money market, bond and stock funds. So whether you're investing for growth, income, growth and income or safety, you are likely to find a fund or a combination of funds to suit your needs along with the level of risk you feel comfortable taking. The fund profiles and prospectuses contain a full description of your Dreyfus fund alternatives.

3. Investment Flexibility
You can switch easily among the funds available through Dreyfus within your 403(b)(7) Plan by making fund exchanges. This important service lets you take advantage of changing market opportunities and refocus your investment strategy as your needs and goals change over the years. This flexibility is an extremely valuable feature in a long-term retirement plan.

4. Educational Guidance and Assistance
How you invest your retirement assets may be one of the most important financial decisions you ever make. Through our toll-free service number, you have access to our staff of professionally trained retirement specialists who are always available to provide you with educational guidance and information regarding your Dreyfus fund alternatives.

These specialists are qualified to give you the facts you need in order to make informed investment decisions as you open your account and as your retirement assets grow over the years. (Our specialists are also available to speak with any personal financial adviser you may designate.)

5. Low Fees
Low custodial and administrative fees are important. The less you pay in expenses, the more money you have available to invest for your future.

6. Complete Recordkeeping and Service
Dreyfus makes it easy for you to keep track of your retirement assets through a quarterly consolidated account statement that provides a clear at-a-glance picture of all the assets in your Dreyfus account. This easy-to-read statement shows all contributions, withdrawals, dividends and/or capital gains that we reinvested in your account during the previous three-month period. You also receive an annual statement that summarizes all activities in your account for the year.

If you have questions about your statement, want an account update between quarterly statements, need current fund yield or price information, or want to exchange among the Dreyfus funds, just call us anytime during business hours. Out retirement specialists stand ready to assist you courteously and efficiently in any way they can.

Call us at 1-800-358-0910 to speak with a Retirement Specialist or learn more about 403(b)(7) plansView 403(b)(7) plan FAQs.