401(k)

THE SARATOGA
401(k) PLAN


	Perhaps it's attempting to provide a desirable benefit to your employees without incurring unwanted liability, expense and hassle. Remember, every 401(k) plan provides the same tax benefits to you and your employees, and every 401(k) plan has the same contribution limits. So why choose the Saratoga 401(k) Plan?

	The Saratoga 401(k) Plan is designed to try to protect the fiduciaries of 401(k) plans. The plan provides key benefits that help you meet government regulations: Institutional money managers with nationally recognized investment expertise. Sophisticated asset allocation and investment guidance for plan participants. Comprehensive written quarterly performance reports that provide investment performance and appropriate benchmarks to eliminate uncertainty. Complete integration of fund and administrative data to minimize paperwork and avoid error.

	Many employees do not understand how to use the investment options in their 401(k) plan. As a result, they are often times unable to identify and achieve their investment objectives. In other words, they can fail to accumulate the optimal level of assets for retirement -- and isn't that what having a 401(k) plan is all about? In the Saratoga 401(k) Plan, each employee is an individual -- not a number. Every participant will have the opportunity to complete an Investor Profile Questionnaire that will help them to determine their investment objectives, risk tolerance, and time horizon for investing. After careful analysis of the questionnaire, each participant is provided with an investment strategy designed to try to help them achieve their specific goals. The participant's strategy is implemented by investing in portfolios managed by some of the world's finest institutional money management firms -- firms that usually require million dollar or greater minimums and who manage money for many Fortune 500 companies and municipalities. Each quarter participants receive detailed, comprehensive written reports that show their funds' investment progress. Finally, as participants' investment goals change with age and time, their asset allocation strategy can be modified to help them stay on track with their objectives and financial circumstances.


	From Day One through post-retirement counseling, your employees can receive the guidance they need to make the most of the valuable opportunity you are providing them with. Ask yourself: Once you have made the commendable decision to provide a 401(k) plan for your employees, wouldn't it be nice if it actually worked without unwanted liability, expense and hassle? If you are interested in establishing or transferring a 401(k) plan, let Saratoga help you achieve both of your goals: protecting your 401(k) plan's fiduciaries and helping your employees to retire with dignity. Please call your financial advisor or Saratoga at (800) 807-FUND for more information and to request our brochure "How the Saratoga Portfolios Differ," and a Saratoga prospectus.
		Distributor, Aquarius Fund Distributors, LLC. 0725-AFD-11/30/2006

Retirement Plan Proposal Form