Planning Your Retirement

Why You Need an IRA

Are you concerned about saving enough for retirement? Looking for a way to reduce your taxes? Funding college for a child or grandchild?

Today's Individual Retirement Accounts offer more opportunities than ever to help you reach key financial goals. How? By allowing your investment earnings to grow free from taxes until withdrawn and by giving you the ability to control how and when you save for retirement or a child's education.

Will you have enough money to retire comfortably?

Social Security will provide most retirees with only a portion of their retirement income needs. Where will the rest come from? Most likely, your personal savings. (Source: Social Security Administration and Bureau of Labor Statistics.)

Why Commerce?

Whether you're just getting started saving for retirement, need money for a child's education, want to make an annual contribution, are entitled to a distribution from an employer's qualified retirement plan, or are looking to simplify your retirement savings, The Commerce Funds has an IRA option that can help you reach your goals for the future.

A choice of investments

The Commerce Funds offers a family of professionally managed investment portfolios. Choose from domestic and international equity funds and fixed-income funds for the flexibility and convenience you need to meet your financial goals.

Service and convenience

The Commerce Funds offers a full range of services, including easy exchange of funds within The Commerce Funds family, convenient access to fund information, and a consolidated account statement. This makes keeping track of your Commerce Funds investments as simple as possible.

Taking the next step

At The Commerce Funds, we believe the best time to begin saving for your future is now. To learn more about how a Commerce Funds IRA can help you build toward your financial goals, please contact your investment representative or call The Commerce Funds at 1-800-995-6365. We'll be happy to work with you and your adviser to find the IRA investment that's right for you.

Shares of The Commerce Funds are not deposits or obligations of, or guaranteed, endorsed, or otherwise supported by Commerce Bank, N.A., its parent or affiliates, and the shares are not federally insured or guaranteed by the U.S. Government, the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other government agency. They are subject to investment risks, including the possible loss of principal amount invested. The Commerce Funds are advised by Commerce Investment Advisors, Inc., a subsidiary of Commerce Bank, N.A., which receives a fee for its services. The Commerce Funds are distributed by Goldman, Sachs & Co.

A prospectus for the Commerce Funds containing more complete information may be obtained by calling 1-800-995-6365 or bydownloading it from this website. Please consider a Fund's objectives, risks, and charges and expenses, and read the prospectus carefully before investing. The prospectus contains this and other information about the Fund.

The mutual funds referred to in this Web site are offered and sold only to persons residing in the United States and are offered by prospectus only. The prospectus contains more complete information about the funds, including charges and expenses, and should be read carefully before investing.