This information should not be taken as investment advice. For more information about saving for retirement and investing, check out the many consumer magazines available such as Money, Kiplinger’s Personal Finance Magazine and Smart Money. Most large bookstores have extensive investment and financial sections, and the public library is always a good source for books, magazines, and copies of specialized investment reporting service publications. If possible, you should also talk with a financial professional before making any investment decisions.

Because you make the decisions regarding how to invest your plan money, the International Brotherhood of Teamsters, your employer, plan trustees and other fiduciaries are not responsible for any losses as a result of your decisions. Every effort has been made to ensure the Teamsters National 401(k) Savings Plan complies with Section 404(c) of the Employee Retirement Income Security Act.