October 2000

In the past, people relied on three things for retirement — pensions, Social Security and selling their home. Unfortunately, those three alone won't do the job for post baby boomers because:

	Most people work less time for the same company, so pensions are significantly lower.
	Social Security was never meant to completely cover expenses and will most likely provide only a small amount of income.
	Greater home availability and slower appreciation means that selling your home at retirement may not get you the nest egg you need to live on.

To get started, follow these steps as recommended by Citibank Investment Services:

	Keeping your retirement goal in mind, determine how much money you'll need to maintain your preretirement lifestyle. You can do this using the helpful calculators at www.myciti.com/calculators/calcs.html. When you get to the calculators, scroll through the "Retirement" selections. Use the calculator to determine what your expenses will be upon retirement, how inflation affects your results and the difference Social Security will make to your retirement nest egg.
	Work together with a registered financial planner to develop a Personal Investment Plan.
	Determine how much you'll have to invest each year to reach your goal. The retirement calculator can help you do this, too. Regardless of your age, you'll be better off if you start funding your retirement immediately.
	Invest regularly to fund your retirement, despite changes in your situation.
	Take full advantage of tax-deferred retirement savings plans and pensions available to you.
	Invest wisely, using the principles of diversification and asset allocation to help you. To find out about diversification and asset allocation, go to www.citibank.com.
	Keep in touch with your financial planner. And be sure to schedule an annual portfolio review to keep you on track.

	Introducing www.myciti.com, where you can access all your online accounts in one secure place — FREE. MyCiti brings together all your Citibank and other online accounts in one convenient, easy-to-use and secure Web site. You can view your bank, credit card and investment accounts, and check your e-mail all in one place, with just one password. MyCiti also helps you manage your financial future. By bringing all your accounts together, MyCiti lets you see the big picture and make the smartest decisions for your financial life. Plus, MyCiti gives you access to financial calculators and a host of other useful tools — MyCiti puts you in control. Log on to www.myciti.com today and experience this powerful new tool for your life.