Retirement Product Overview

Enjoy the journey, we'll help take care of the destination.

Our individual retirement options

Whether retirement is well into the future or right around the corner, we'll help you plan for what comes next so you can simply enjoy the "here and now".

IRAs

Whether you're looking to supplement a work retirement plan, don't have a work plan, or have retirement money from a previous job to invest, we're here to help you understand your options and make smart decisions.

Benefits of an IRA

Certainly, you should participate in your workplace 401(k) if you have one. But there are additional ways to prepare for retirement, and a favorite is the tax-advantaged Individual Retirement Account, commonly known as an IRA. Even if you participate in a retirement plan at work, you can probably start an IRA, and  you might be able to contribute to an IRA for a non-working spouse, too.

Depending on the type of IRA you open – Traditional or Roth – IRAs can be a great way to:

  • Save money for your future retirement
  • Enjoy potential growth tax-deferred or tax-free1
  • Roll over money from other retirement accounts
  • Get access to different investment options, something you might not get in your other retirement accounts

Managed Accounts

Investing can be a great way to reach your retirement goals. Our Journey Series Managed Accounts provide three investment options--each with their own unique features to provide the potential to grow your money.

Benefits of Managed Accounts

Through our Journey Series, we'll help you with some of the basics of investing:

Asset allocation divides your money among asset categories like stocks, bonds, mutual funds and cash to address your specific time horizon and tolerance for risk.

Rebalancing keeps your portfolio within your asset allocation mix.

When choosing investments, we'll select ones that help meet the goals of the asset allocation strategy you choose, based on your tolerance risk.

"Goodbye tension, hello pension."

That certainly captures the feeling of freedom that comes with the idea of what retirement may be like.

There's only one problem. Defined benefit pension plans – those are the ones that guarantee a monthly benefit at retirement, mostly all on the employer’s dime – are going the way of the dinosaur. 

It's never too late to start making retirement plans

Planning how to spend your time in retirement is easy. Planning the financial part? Not so much. The best approach is knowing both the opportunities and risks that come with your retirement plans.

What should I invest in?

Factors like your age and your risk tolerance will largely determine how you invest your retirement money. We offer a lot of different products and services that can help you determine what's best for your situation.

What if I live a really long life?

The longer you live, the longer your savings will need to last. Annuities can give you income no matter how long you live. To save even more money, you could also open an IRA. And if you're age 50 or older, you can make catch-up contributions to your retirement plan at work, if you have one.

How will inflation affect me?

Inflation can lessen the buying power of your retirement savings, so making sure to adjust your savings goals for inflation is important. We can help you calculate how inflation risk may affect you.

How much will medical care cost affect me?

Health issues down the road could be costly and take up a good chunk of your retirement savings. Planning ahead for potential costs and other expenses that may not be covered by Medicare will help with your peace of mind.

Changes in the economy

In addition to offering a wide range of investment and retirement options, the team at COUNTRY Trust Bank wants to make sure you're "in the know" when it comes to changes in the economy. We're always keeping an eye on how economic changes could impact you.

Ready to start?

Talk to a COUNTRY Financial representative to get more details and review the pros and cons of your options.

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

NOT FDIC-INSURED

May lose value

No bank guarantee

Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®. 

Registered broker/dealer offering securities products: COUNTRY® Capital Management Company, 1705 Towanda Ave, PO Box 2222, Bloomington, IL 61702-2222, 1-866-551-0060. Member FINRA.  Read our full Customer Relationship Summary and Investor Handbook.

Investing involves risks, including the possible loss of principal. 

For product and service information, read our Terms and Conditions.

1Tax penalties may also apply, depending on how the money is used. COUNTRY Financial and our representatives cannot give tax advice. Any information we provide reflects our understanding of current tax laws, which are subject to change and reinterpretation.