1. Managing risk in your retirement account Managing risk presentation

2. The use of asset allocation does not guarantee returns or insulate you from potential losses. Dollar-cost averaging does not assure a profit and does not guarantee against loss in a declining market. This type of strategy involves continuous investment in the security regardless of fluctuating price levels of such securities. Investors should consider their financial ability to continue purchases through periods of low price levels. Investing involves market risk, including possible loss of principal and possible fluctuations in value. The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB, a division of Nationwide Bank. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220. Nationwide, the Nationwide N and Eagle, Nationwide is on your side and On Your Side Interactive Retirement Planner are service marks of Nationwide Mutual Insurance Company. © 2016 Nationwide PNM-2472AO.7 (01/16) Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value

3. How do I manage risk effectively? Managing risk

4. 4 What is asset allocation? Asset allocation Spreading your investments across various asset classes Helps keep your account safe from market fluctuation Similar to diversification

5. Managing risk 5 Risk versus reward Asset allocation

6. Managing risk 6 Put it into practice Asset allocation

7. Managing risk 7 Find your investor profile Moderately Conservative ConservativeModerateModerately Aggressive Aggressive Asset allocation

8. Managing risk 8 Rebalance your account Rebalance regularly Source: Boost Your 401(k) Returns with Rebalancing, 401(k) Helpcenter, 02/13. Equities (stocks) Bonds

9. Managing risk 9 Why rebalancing may be a good idea Source: http://money.usnews.com/money/blogs/the-smarter-mutual-fund- investor/2011/03/15/why-rebalancing-your-portfolio-is-important, accessed 02/07/2013 You get a new look at all of the investment options You can use profits to invest into underperforming funds that may have merit You potentially smooth out investment returns Rebalance your account

10. Managing risk 10 Automatically rebalance to your original allocations Rebalance your account

11. Managing risk 11 Dollar-cost averaging Regular contributions to your retirement plan Systematic and consistent

12. Managing risk 12 Invest $1,000 per month for a year or one lump sum of $12,000. Dollar-cost averaging

13. Managing risk 13 On Your Side Interactive Retirement Planner SM Investment goals

14. Managing risk 14 Managed Accounts Hire a professional to actively manage your account No minimum account balance is necessary You can cancel any time Investment goals Managed Accounts

15. Managing risk Points to remember Understand what type of investor you are Properly diversify to your account to help reach your individual goals Rebalance regularly to maintain proper asset allocation Dollar-cost averaging happens automatically with your retirement plan account Set a goal and track it with On Your Side Interactive Retirement Planner Work with a Managed Account provider if you want additional support 15 Summary

16. Access your retirement account nationwide.com/myretirement 1-800-772-2182