Of those polled, 1 in 3 (34 percent) people say they currently have less than $50,000 in investable assets - this includes senior citizens. Only 21 percent of those polled indicated they have $50,000 or more in investable assets. Yet, when asked if they plan to personally contribute more to their future retirement given the potential changes in Social Security, nearly half (43 percent) answered yes.

Financial strain due to the economic downturn was cited by half (50 percent) of those who say they have reduced or stopped contributing to their retirement plan. Unemployment (32 percent) and healthcare costs (25 percent) were also key factors cited as affecting their ability to contribute to their retirement plan.

When asked by what percentage they have reduced the amount they contribute to their retirement plan, or have they stopped contributing completely, 35 percent say they have reduced their retirement plan contributions; 14 percent claim to have cut their contributions back by 5 percent to 20 percent, and as many as 6 percent have reduced their contributions by 21 percent or more. Sixty-three percent indicated they have stopped contributing completely.

Interestingly, nearly 1 in 4 (22 percent) respondents ages 35 to 44 years indicated that they have stopped or reduced their retirement plan contributions, more than any other age group.

For more information or to arrange an interview with a Subject Expert, please contact:
Communications & Public Affairs, TD AMERITRADE
Media Line
Tel: (800) 400-1336

PLAN: Having a plan is paramount for long-term investors. If you don't have a plan for long-term goals like retirement, you may have increased exposure to uncertainty and market risk. Planning means assessing your risk tolerance based upon your goals, financial condition, time frames, and comfort levels.

INVEST: It's important to have a plan you are comfortable with during any market condition. Many investors use dollar-cost averaging to help manage risk. By investing regular amounts at regular intervals, your cost per share will average out over time, regardless of which way you believe the market will go. Higher priced shares bought at the top of one cycle may be offset by cheaper shares bought during a down cycle. In fact, financial crises like the one we are currently experiencing often prove to be buying opportunities for long-term investors. While we cannot say for certain how long it will take the equity markets to come back, the long-term trend is up, and past times of crisis have typically resulted in stock market gains approximately 12 to 18 months after the market bottoms.

EVALUATE: If you have a plan in place, it may be time to evaluate it with an eye toward risk - especially at times of heightened market volatility. For example, if you own a fund or security that invests in a particular sector that has done well, it might now represent a larger percentage of your portfolio than what your original investment plan called for. This is just one reason why investment professionals typically recommend you evaluate your portfolio at least twice a year. And, at times like these, perhaps more often.

Finding the right recipe to manage risk may not be "easy as pie," but it may not be as hard as it seems. To help manage the uncertainty of a volatile market, think P.I.E.: Plan, Invest and Evaluate.

For more information or to arrange an interview with a Subject Expert, please contact:
Communications & Public Affairs, TD AMERITRADE
Media Line
Tel: (800) 400-1336

Portfolio Planner's array of additional functionalities includes:

• The ability to utilize the TD AMERITRADE Premier List of mutual funds to help select compatible funds. Morningstar Associates, LLC, updates the list quarterly by regularly evaluating more than 30 different categories of funds available through TD AMERITRADE. Clients can use this exclusive list to find funds that enhance their portfolio and reflect their investment goals.^*



• Access to more than 1,300 no-load, no-transaction-fee mutual funds.^**



• The means to compare existing portfolio(s) with one of TD AMERITRADE's pre-built target allocation models, to see how their current allocation measures up.
• The ability to create their own custom allocation to compare their existing portfolio to and select securities to fill gaps in their investment portfolio.



• The ability to invest new monies or rebalance their portfolio to keep them in alignment with their target allocation.

Before investing in investment company securities, be sure to carefully consider the security's objectives, risks, charges, and expenses. For a prospectus containing this and other important information, contact the investment company or a TD AMERITRADE Client Services representative. Please read the prospectus carefully before investing.