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BancWest Investment Services
LOOKING AHEAD

Step Up Your Savings and Stay on Track

Now that you’re in your prime earning years, it’s prime time to save as much as you can afford. It’s also critical that you review and refine your retirement plan to keep it in line with your present needs and future goals.

Here are some actions you can take to help make your money work as hard as you do:

  • Maximize your 401(k) savings.
    Max out your 401(k) contributions or increase them as much as possible. Each time you get a raise, consider increasing your annual contribution by 1%, up to the maximum allowed.
  • Roll over your former 401(k)1.
    Consolidate your funds and take advantage of a potentially broader range of investment choices by rolling over your 401(k) to an IRA.
  • Maintain a diversified portfolio.
    Help minimize your exposure to risk by spreading your money among stocks, bonds, mutual funds and cash.
  • Monitor your investments.
    Review your investments regularly to stay on target to reaching your goals.
  • Re-evaluate and rebalance as needed.
    To determine if you need to adjust your investment strategy and asset allocation, consider the following questions:

    • Has your tolerance for risk changed?
    • Does your asset allocation (how you distribute your money across stocks, bonds and cash) match your risk profile?
  • Get professional management if necessary.
    Talk to one of our experienced Financial Advisors at BancWest Investment Advisory Solutions who can monitor your portfolio and provide ongoing guidance to help you meet your retirement goals.

Prior to deciding whether to maintain your assets in an employer sponsored retirement plan or to roll over these assets to an IRA please consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, potential protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please see the FINRA Investor Alert for additional information. Please be sure to speak with a financial advisor to discuss all your options.

1 If you are satisfied with your former employer's plan investment choices you may not derive a benefit from any additional investment choices available through a BancWest Investment Services retirement account. You may also be subject to the specific risks and costs associated with such choices.

2 The consultation with a BancWest Investment Services financial professional is complimentary. Please note: The implementation of any recommendations provided during the consultation may result in trade commissions or other fees, charges or expenses. Any recommendations and guidance provided are limited to assets held at BancWest Investment Services.


* Deposit and loan products offered by Bank of the West. Member FDIC. Equal Housing Lender.

** Fifteen (15) $0 commission order executions for equities and Exchange-Traded Funds ("ETFs") per calendar month, per account ($6.95 order executions thereafter), for self-directed orders placed via the BancWest Investment Services online platform, subject to certain terms and conditions and additional fees (please refer to https://www.bankofthewest.com/personal-banking/investments/self-directed-investor.html for further details about self-directed investing available through BancWest Investment Services). If an order placed via the online platform is executed over multiple days, each day's executions for that order will be counted separately and applied against the remaining available $0 commission order executions available that month.

Online Preferred Pricing is only available to individuals with an active Premier Checking account. Individual Online Preferred Pricing eligibility is determined on a daily basis by BancWest Investment Services. Online Preferred Pricing does not apply to business/corporate accounts, investment club accounts, partnership accounts, limited liability accounts or certain fiduciary or custodial accounts. Please contact BancWest Investment Services for additional information.

Premier Checking recognizes your preferred customer status and rewards you with premium interest rates, waived fees and other benefits. Learn more or apply now. A Bank of the West Premier Checking account requires a minimum opening deposit of $500. The $30 monthly service charge will be waived for your first two (2) statement cycles and may be waived thereafter when you maintain at least $50,000 combined average monthly balance per statement cycle in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, and IRAs, and prior end-of-month account balances in eligible BancWest Investment Services investment accounts. Some accounts and services and the fees that apply to them vary from state to state. Standard deposit account fees apply. Relationship requirements and pricing are subject to change without notice.

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