Choose a Plan That Works for You

Whether you are self-employed or have employees working for you, as a small business owner/administrator one of the biggest challenges you will face is how to make the most of the retirement-investing opportunities available. Choosing the right plan is critical. Your decision may affect your tax bill, your budget, employee recruitment (if applicable), the time you must spend with plan administration and—more importantly—your own retirement! Van Kampen offers four attractive plans tailored specifically for small businesses.

If you are looking for:

	Maximum flexibility
	Generally no IRS Form 5500 filings
	Opportunity to contribute as much as $45,000 for 2007; 46,000 for 2008¹

	A plan that allows eligible employees to contribute for their own retirement
	No IRS Form 5500 filings

Largest deductible contribution allowed in a defined-contribution plan

Consider:

SEP IRA

Consider:
SIMPLE IRA

Consider:
Profit Sharing Plan or Money Purchase Plan

¹Money distributed from a plan may be taxed as ordinary income, not as capital gains, in the year in which it is received. Withdrawals taken before age 59½ may be subject to a federal 10-percent penalty for early withdrawal.

QUICK LINKS

SEP Brochure

SIMPLE Employer Guide

Van Kampen does not provide tax advice. The tax information contained herein is general and is not exhaustive by nature. It was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Federal and state tax laws are complex and constantly changing. You should always consult your own legal or tax advisor for information concerning your individual situation.

Please consider the investment objectives, risks, charges and expenses of the fund(s) carefully before investing. The prospectus contains this and other information about the fund(s). To obtain a prospectus, contact your financial advisor or download and/or order. Please read the prospectus carefully before investing.

Not FDIC Insured—Offer Not Bank Guaranteed—May Lose Value
Not Insured By Any Federal Government Agency—Not A Deposit

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