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2019 news 2 templateMany ministers think nothing of grabbing a specialty coffee daily. But if you ask whether they’re investing for retirement, you might hear, “I can’t afford it right now.”

In reality, most people regardless of income can afford to invest for the future, and even small amounts can make a difference. For instance, investing just $10 a week over 30 years could result in a fund of $50,852.72*. That’s what you’d have for the cost of about one or two specialty coffees a week, depending on how fancy you take yours.

Nazarene ministers and church employees are eligible to invest through the 403(b) Retirement Savings Plan. There are no minimum contributions for this program, which means you may invest as little as you’d like. And since contributions are made by salary deferral, they’re relatively painless. Beyond this, you have the added knowledge that you’re investing through Fidelity Investments—a proven leader in the financial industry, with information and educational resources to help you on the road to and through retirement. Most importantly, the contributions you make are pre-tax, and when ministers start withdrawing earnings in retirement, they may be received as tax-free housing allowance, within IRS limits.

It’s never too late, and no amount is too small to invest for the future. Learn more by contacting us at This email address is being protected from spambots. You need JavaScript enabled to view it. or 888-888-4656. We’ll be happy to help you get started on your way to a better retirement.

*Assumes a 7% average annual return, which is lower than the historical average of the S&P 500 stock index.

Note: investing involves risk, including the risk of loss.

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