1. InvestorInsight
New opportunities, new adventures.
Your investment strategy should be up for the journey.
Keep your retirement savings on track
When you change jobs or retire, one of the most important decisions is
where to invest the assets you accumulated in your company-sponsored
retirement plan. Protecting those assets is vital to your future financial
security. Here are steps you can take to maximize the potential of
your savings:
Step 1 Keep your retirement assets tax-deferred and avoid paying current
taxes and penalties by arranging a direct rollover to an Individual
Retirement Account (IRA).
Step 2 Choose investments that suit your risk tolerance and your desired
return potential.
AXP® Portfolio Builder Series: a sensible destination
for your IRA Rollover
For some, choosing investments for their retirement savings can be an
AXP® Portfolio Builder
Series offers a full range overwhelming and intimidating process. But don’t let tough rollover
of investment objectives decisions put your retirement at risk because now there’s help.
and risk/reward profiles
AXP Portfolio Builder Series is an investment solution that simplifies
designed to meet your
the investment decision process by addressing your needs with a broad
investing needs for every
spectrum of professionally managed portfolios.
stage in life.
Investing is smart.
Keeping it simple is even smarter.SM
▲ Six Fund Options AXP® Portfolio Builder
Higher Return Potential
Total Equity Fund
AXP® Portfolio Builder
Aggressive Fund
AXP® Portfolio Builder
Moderate Aggressive Fund
AXP® Portfolio Builder
Moderate Fund
AXP® Portfolio Builder
Moderate Conservative Fund
AXP® Portfolio Builder
Conservative Fund
Higher Risk
▲

2. InvestorInsight
Retirement investing made easy
AXP Portfolio Builder Series simplifies the rollover process and keeps your money working. With these six asset
allocation funds, you can feel comfortable knowing your retirement assets are being professionally managed.
■ Streamlines the process of fund selection, letting you and your advisor focus on long-term goals and
risk tolerance.
■ Provides instant diversification for any investment amount.
■ Puts asset allocation decisions in the hands of experienced investment professionals.
■ Allows easy exchanges to different funds within the Series as you reach your goals or your goals change.
■ Makes it easier to track investment performance.
Contact your financial advisor to arrange a direct rollover of your retirement plan
distribution into an IRA with AXP Portfolio Builder Series.
5%
10%
20%
35%
20% 35% 50% 100%
50%
70% 60%
65% 80%
AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder
Conservative Fund Moderate Moderate Fund Moderate Aggressive Fund Total Equity Fund
Conservative Fund Aggressive Fund
■ Stock Funds 20% ■ Stock Funds 35% ■ Stock Funds 50% ■ Stock Funds 65% ■ Stock Funds 80% ■ Stock Funds 100%
Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and
small-cap small-cap small-cap small-cap small-cap small-cap
Growth and value Growth and value Growth and value Growth and value Growth and value Growth and value
International developed International International International International International
markets Emerging markets Emerging markets Emerging markets Emerging markets Emerging markets
■ Bond Funds 70% ■ Bond Funds 60% ■ Bond Funds 50% ■ Bond Funds 35% ■ Bond Funds 20%
Government Government Government Government Government
Investment grade Investment grade Investment grade Investment grade Investment grade
corporate corporate corporate corporate corporate
Multi-sector High yield corporate High yield corporate High yield corporate High yield corporate
■ Cash 10% Global Global Global Global
Multi-sector Multi-sector Multi-sector Multi-sector
■ Cash 5%
Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not
a guarantee of overall portfolio profit.
AXP Portfolio Builder funds will invest in the types of stock and bond funds listed above. These stock and bond funds may invest in asset classes not specifically listed
here. Pie charts represent neutral allocation for each fund. Actual asset allocation will vary over time depending on market conditions.
There are special risk considerations associated with international investing related to market, currency, economic, political and other factors. Stocks of small
companies generally may be subject to abrupt or erratic price movements more so than stocks of larger companies. Some of these companies also have fewer
financial resources. Higher yield corporate bond prices may fluctuate more broadly than prices of higher quality bonds. Risk of principal and income is also greater
than with higher quality securities.
American Express Funds Products offered are not federally or FDIC-insured, are not deposits or
70100 AXP Financial Center obligations of, or guaranteed by any financial institution and involve
Minneapolis, MN 55474 investment risks including possible loss of principal and fluctuation in value.
americanexpress.com You should consider the investment objectives, risks, charges and expenses of
each AXP Portfolio Builder fund carefully before investing. For a free copy of
© 2004 American Express Financial Corporation the prospectus, which contains this and other information, call (800) 297-3863,
All rights reserved. TTY: (800) 846-4852. Read the prospectus carefully before you invest.
American Express Trust Company acts as a custodian for IRAs offered
through American Express Financial Advisors Inc.
American Express Financial Advisors Inc. Member NASD.
American Express Company is separate from American Express Financial
Advisors Inc. and is not a broker-dealer. 230593 A (2/04)