PLAN TODAY. ENJOY TOMORROW.

Your Money Matters is a new CalSTRS financial publica-tion aimed at you, the mid-career and second-career educator in your 40s. We know your responsibilities go beyond the classroom and include your family, possibly aging parents, your home, and your community.

If you’ve already reached your 40th birthday:

• You’llliveto82.96yearsifyou’reaman and83.5yearsifyou’reawoman.

You’re Forty SomethingYou Matter and Your Money Matters

• You’llworkanaverageof26yearsasa public educator.

• You’llneedupto90percentofyourfinal compensation to live on in retirement.

Your Money Matters will come your way every year with information and tips to help you plan today, so you can enjoy tomorrow.

Can You Count on Your Retirement?If you’re concerned about retirement, you’re not alone. A recent CalSTRS member poll revealed that health care, outliving your nest egg and Social Security are big retirement concerns. Research indicates you may need asmuchas90percentofyourfinalpay—dependingonyourhealthcarecoverage—toretirecomfortably.

How Will You Spend Your Future?YoucanturntoCalSTRStohelpyouplanforyourretirementyears—fromlearningwaystoboostyourCalSTRS benefit to adding to a supplemental savings program to learning how to make the most of your time during retirement.

Delve into CalSTRS Your Money Matters and see for yourself.

Do you have a story idea for YourMoneyMatters? If so, please e-mail Communications@CalSTRS.com.

Don’t Call Us BoomersYoustraddletheGenerationXpopulationandBabyBoomers,andyouviewtheworld,yourfinancesandretirement differently from other generations.

Generational Characteristics

Source: The Art of Experiential Communication, 2006

You’re Pretty CoolThese generational characteristics fall away when we talk about you as a caring, successful educator. AccordingtoaUniversityofMemphisstudyanda national teacher training author, you are dedi-cated, creative and positive, relate well to children, and have patience, possess tact and have a sense of humor.Yourstudentsseeyouasfair,consistentandhaving high expectations.

But,wait,there’smore.Youofferthepersonaltouch,are forgiving and are willing to admit your mistakes.

Generation X Baby Boomer

Practical Idealistic

Distrustful Feel privileged

Technically savvy Seek experiences

Skills oriented Value self-education

Free Gift For YouReceive a free Why Wait savings calculator by sending an e-mail request to Pension2@CalSTRS.com. This paper calculator will help you figure out how much money you can accumulate if you start saving today.

Inside:2 A Lifecycle Fund Could be Your Cure For Investment Paralysis

3 Climb the Stairs Today— Mount Kilimanjaro Tomorrow

4 Mortgages in Crisis

5 Dear CalSTRS: A Teacher Asks About Social Security

6 CalSTRS Explains It All For You

7 Teacher Feature

S U M M E R 2 0 0 8

61% of workers

70% of workers

Have enough money for retirement?

Very confident in 2008

Very confident in 2007

Source: Employee Benefit Research Institute’s annual survey, 2008

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The ABCs of Investment Choices Investing for retirement can be a perplexing mix of choices: IRAs, 403(b)s,457s,annuities,mutualfunds and money markets.

When you add in concerns about Social Security and health care, there’s no wonder many suffer from invest-ment paralysis.

A lifecycle fund, which is a special type of mutual fund, can help you shake off inertia and take action.

Lifecycle Funds Are Easy and EffectiveLifecycle funds, also known as target date funds, are designed to follow you throughout your working life and change as you approach retirement. They frequently start out with aggres-sive investments and automatically growincreasinglyconservative.Youcan set it and forget it.

CalSTRS offers a lifecycle portfolio throughthePension2® Easy Choice Portfolio at www.CalSTRS.com/Pension2.

How They WorkOnce you select your target retirement date and risk tolerance, a professional money manager takes over, calculating the initial allocation and periodically rebalancing that allocation as your retirement date nears.

Whileinyour20s,lifecyclefundsareheavywithstocks—generallyamore risky but higher yielding invest-ment.Asyouapproachyour50sandeventually retirement, the lifecycle fund’s level of risk is gradually and automatically reduced because it switches to more conservative bond investments.

Information to Consider When Choosing a Lifecycle Fund

Lifecycle funds generally consist of individual mutual funds within the same fund family that invest in different assets, such as bonds, U.S. stocks and international stocks.

• Different mutual fund families invest their funds differently, even for the same retirement date. One asset allocation isn’t better than another; however, more stocks usually means more volatility.

• Costs vary. Funds can charge from $21 for every $10,000 to $78 per $10,000 invested.

• Some funds charge other fees, such as a front-end commission, which immediately reduces the amount of money available for investing.

• The lifecycle fund manager allocates the most appropriate mix for your target date. Be aware that investing in a lifecycle and in outside funds may increase your level of risk more than your fund manager intended.

• Although lifecycle funds may be more diversified than any single mutual fund, the diversity may vary among fund families, affecting volatility.

A Lifecycle Fund Could Be Your Cure for Investment ParalysisSet it and Forget it

Watch Out for FeesThe flip side to the ease and conve-nience of a lifecycle fund is the fee structure. Keep your eye on the costs, which frequently are hard to find. Costs are key because in long-term investments such as these, higher costs can have a substantial impact on your retirement nest egg.

CalSTRSPension2personalwealth

plan keeps your costs low with reduced fees and expenses and by selecting funds that are no-load and no-commission.Youneverhavetoguess about our fee structure because we tell you up-front what the fees are.

The Next Generation From CalSTRS TheCalSTRSPension2EasyChoicelifecycle portfolio merges time horizon with risk tolerance and includes various mutual fund fami-lies. These features offer greater diversification than most lifecycle funds. The funds are chosen and monitored by CalSTRS investment pros—thesamepeoplewhoinvestyourDefinedBenefitportfolio.

CalSTRS Mission: Securing the financial future and sustaining the trust of

California’s educators

Teachers’ Retirement BoardDana Dillon, Chair

Jerilyn Harris, Vice-ChairKathy BruggerJohn Chiang

Michael GenestHarry Keiley

Roger KozbergBill Lockyer

Jack O’ConnellPeter ReinkeBeth Rogers

Carolyn Widener

Jack Ehnes Chief Executive Officer

Christopher J. Ailman Chief Investment Officer

Lynette Blumhardt Editor

Statements in this publication are general and the Teachers’

Retirement Law is complex and specific. If a conflict arises between

information contained in this publication and the law, any decisions

will be based on the law.

Your Money Matters is published once a year for active CalSTRS members

and Cash Balance participants. Send your comments or suggestions to:

Editor, Communications, M.S. 34 P.O. Box 15275

Sacramento, CA 95851

printed on recycled paper

60s: retirement ageSwitch to more bonds

40s: mid-careerRebalance allocations

20s: starting outHeavy with stocks

Value at age 65 if investing starts . . .

Current age Monthly contribution Today In 3 years In 10 years

40 $100 $78,747 $61,014 $31,286

45 $100 $51,014 $38,397 $17,202

50 $100 $31,286 $22,272 $7,160

Source: Why Wait savings calculator, 2007, available free from CalSTRS. See offer on the front page of this newsletter.

Note: This hypothetical illustration uses an assumed yield of 7 percent.

Benefits of Compounding

2 www.CalSTRS.com

30 Quick MinutesHow much exercise do you need now to get healthy and stay healthy into your later years?

• 30minutesofmoderateexerciseeachday.

• Three10-minuteintervalsprovidethesame benefits.

Moderateexerciseincludesactivitiesthatmakeyououtofbreathbutnotsweaty—likegardening,briskwalking or cycling.

Source: American College of Sports Medicine

and the Centers for Disease Control and Prevention

A Northern Arizona University study concludes that 10 minutes of exercise can lift your mood.

It’ll Make You Feel GoodThe physical benefits range from lookin’ good to lowering the risk of some illnesses, such as:

• Heartdisease,

• Cancerand

• Diabetes.

The mental health benefits include reduction of:

• Stressand

• Depression.

And Prevent Mental DeclineAnother study found that regular exercise in midlife reducesthepossibilityofdementiaby50percentandAlzheimer’sby60percent.Specifically,theresearcherssuggest that exercising as little as twice a week will provide positive results.

One analyst believes that the study makes the case for beginning good health habits early.

Medical Identity TheftAn estimated 250,000 Americans have their medical ID stolen each year, according to the World Privacy Forum. Thieves may use your medical information to receive health care or sell prescription drugs. Protect yourself:

• Give health insurance info to trusted providers.

• Sign up for the national Do Not Call Registry at www.donotcall.gov.

• Sign up for the Direct Marketing Association’s Mail Preference Service at www.dmaconsumers.org to reduce junk mail and junk spam.

• Delete spam.

• Visit www.junkbusters.com/fax.html to find out how to reduce junk faxes.

Protect Your CalSTRS InformationCalSTRS uses your personal information only to conduct CalSTRS-related business.

• CalSTRS will never ask for your personal information in an

• Get a summary of medical benefits paid in your name each year.

• Keep copies of medical records.

• For more information, go to www.worldprivacyforum.org.

Stop Unwanted SolicitationsYou can slow the onslaught of unwanted phone, e-mail, fax and mail solicitations, advises the California Department of Consumer Affairs, by exercising these consumer tips:

• Stay off marketing lists.

– Don’t fill out consumer surveys, sweepstakes or warranty registration cards.

It’s An AdventureWithin travel, adventure travel is a growing trend. If you want to climb Mount Kilimanjaro or bike through the wine country, regular exercise now will help you get there.

By The Numbers

• One-half of U.S. adults, or 98 million people, have taken an adventure trip in the past five years.

• This includes 31 million adults who engaged in hard adventure activities like whitewater rafting, scuba diving and mountain biking.

• A full 52 percent of adventure travelers are women.

• 41- to 60-year olds make up the highest participating age group.

• Highest year-to-year, increased consumer regional interest is South America.

Source: the Adventure Travel Report, 2008

unsolicited e-mail or other type of electronic communication.

• When you use the CalSTRS Web site, you agree to our terms and conditions available at www.CalSTRS.com/help/privacy.

– Use of our Web site is anonymous, unless otherwise specified.

• CalSTRS securely transmits your warrant for direct deposit.

Climb the Stairs Today— Mount Kilimanjaro Tomorrow

The Web site, adventurelogue.com defines adventure travel as: intentionally going beyond your normal known area, seeking out experiences which are unfamiliar.

Keep Your Security Information Safe

SUMMER 2008 www.CalSTRS.com Your Money Matters 3

Mortgages in CrisisIf you own a home, you may be worried about its value, or you may find yourself struggling with a high or adjustable interest

rate. If you want to purchase a home, you may wonder if the market will ever settle down.

Here’s what two financial experts have to say:

“I’m not minimizing the risks in the housing market because they’re very real in many locations. Nor am I predicting any sort of miraculous turnaround in the next six months, since I doubt that we’ll see that happen.

But I’m still a believer in the long-term viability of housing as a solid investment if you buy at the right price.”

l Suze Orman, March 2008

“Residential real estate cannot be counted out as a smart invest-ment or maybe even as the smartest one you’ll make.

Patience remains the watch word when buying real estate. Even if you buy at the peak, if you wait long enough, you will generally make out well … If you expect to turn it over quickly and consistently for a profit, you are taking a risk. On the other hand, the present real estate situation presents a rare and envi-able long-term opportunity.”

l Ben Stein, June 2008Hang in there.

CalSTRS Offers Home Loans to MembersThe CalSTRS Home Loan Program offers a number of home loan options to members, including loans to purchase a home, as well as refinances of existing mortgages. We have agreements withseverallenderswhoprovide15-and30-yearfixedrateloans, as well as a down payment assistance mortgage program, for the purchase of single and various multi-family dwellings. Rates are set daily by CalSTRS.

QualifiedCalSTRSmemberscanborrowupto$417,000or$650,000,dependingontheprogram.

To qualify to apply for a home loan, you must be a CalSTRS member or an employee of a public school and the loan must be for your primary residence within California.

Gotowww.CalSTRS.com/homeloanprogramfordetails.

The Subprime Mortgage Collapse Has Had Little Affect on Your Retirement FundYourCalSTRSretirementfund’sexposuretolossesarisingfromthesubprimemarkethasbeenminimal.Youcan’tgetanadjustable-rate or subprime mortgage loan from the CalSTRS Home Loan Program because we simply don’t offer them and never have.

What’s Mortgage Insurance?Mortgageinsuranceisapolicythatprotectslendersagainstsome or most of the losses that can occur when a borrower defaultsonamortgageloan.Mortgageinsuranceisrequiredprimarily for borrowers with a down payment of less than 20percentofthehome’spurchaseprice.

Source: U.S. Department of Housing and Urban Development, 2008

If You’re Concerned About Foreclosure

ResourcesManyborrowerswhoobtainedsubprimemortgagesarenowatgreatriskofforeclosureand the loss of their home. We can’t give you advice, but we can provide resources:

Homeownership Preservation Foundation: www.995hope.org

Tips for Avoiding Foreclosure: www.hud.gov/foreclosure/index.cfm

CaliforniaGovernmentWebsite:www.yourhome.ca.gov/

Avoid Foreclosure1. Don’tignoretheproblem.2. Contactyourlenderassoonasyourealizeyouhaveaproblem.3. Openandrespondtoallmailfromyourlender.4. Know your mortgage rights.5. Understandforeclosurepreventionoptions.6. Prioritizeyourspending.7. Useyourassets.8. Avoidfee-basedforeclosurepreventioncompanies9. Don’tloseyourhousetoforeclosurerecoveryscams.

Source: the U.S. Department of Housing and Urban Development, 2008

Foreclosure Q & AWhat is Foreclosure?Foreclosure is a legal action used by a mortgage company to recover any money from a customer when the customer does not pay his or her debt in accordance with the mortgage agreement. In other words, it’s the legal remedy used by a mortgage company to assume ownership of a property when the required loan payments are not made. Foreclosure obliterates otherwise good credit.

How Does Foreclosure Happen? Although the actual process varies from state to state, a foreclosure is initiated due to a borrower’s inability to keep up with monthly mortgage payments over a period of four to six months. The farther behind the homeowner gets with monthly mortgage payments, the closer to foreclosure the homeowner becomes.

Is Anyone Exempt From Foreclosure?No. Everyone with a mortgage is subject to foreclosure if they fail to make their monthly payment on an ongoing basis.

Source: Homeownership Preservation Foundation, 2008

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Source: CalSTRS is Teachers’ Sole Retirement, 2007

Choices Responses Percentage

Investing, sooner than later 347 39%

Rising health care costs 126 14%

Paying down debt 113 13%

Working after retirement 61 7%

Financial education 56 6%

Effects of inflation 54 6%

Long-term care 43 5%

Downsizing lifestyle 26 3%

Other 59 7%(Percentages are rounded.)

Dear CalSTRS:I’m a classroom teacher in southern California. A friend of mine who taught at my school just retired in June. She spent her entire career in the classroom and lovedit.Butshewassurprisedtofindoutshedidn’tget any Social Security for herself when she retired.

ThisscaresmebecauseI’vegotabout10goodyears before I retire. I always counted on Social Secu-rity for my teaching, along with my teacher pension.

The friend who just retired is married and her husband is a retired grocery store manager. Does his Social Security check have some affect on her?

Signed—Not Secure in SoCal

Dear SoCal: There’s a lot of misunderstanding among public educators about Social Security. Retired California public school teachers receive no Social Security benefits for their income from CalSTRS-covered teaching. Here’s how it works:

Public educator work

As a full-time public school teacher in California, you don’t pay in to Social Security, so you don’t get Social Security benefits from teaching when you retire.

California’s public educators made the decision in 1955tostayoutoftheprogram,primarilybecauseCalSTRS benefits were better. Theoretically, teachers

CalSTRS Differs from Social Security

CalSTRS pension Social Security

Beneficiaries are California public educators who earn creditable service

Beneficiaries include all private and some public workers who pay into Social Security

A pre-funded system enhanced by investment earnings A pay-as-you-go system with no investment earnings

Lifetime benefit based on a specific formula Benefit based on a complex three-tiered formula

A California defined benefit earned by virtue of employment with the specific entity that agrees to provide benefits in exchange for the services of the employee

A federal insurance program that represents a promise from the federal government to provide a basic benefit in retirement

Worker contributes 8 percent of salary Worker contributes 6.2 percent of salary

Minimum retirement age is 50 with 30 years of service or 55 with 5 years of service

Minimum retirement age is 62 for a reduced benefit Full retirement age is 65-67 for a maximum benefit

Forty-Somethings’ Advise: Invest and Save Sooner

cantakethe6.2percenttheydon’thavedeductedfrom their paycheck for Social Security and put it in theirownsavingsprogram,likea403(b)orIRA.

Other work or your spouse’s work

YoucouldbeeligibleforSocialSecurityfromothernonteaching jobs you’ve held or from a spouse. If you qualify because of work you’ve done, your Social Securitycheck—butnotyourCalSTRScheck—couldbe reduced, or offset, but it will not be eliminated. If you qualify through a spouse’s Social Security benefit,

yourSocialSecurity—butnotyourCalSTRScheck—could be reduced or eliminated altogether.

From what you’ve told me, it sounds like your friend didn’t earn Social Security from non-CalSTRS work and may not be eligible through her husband. For information on your specific case, please go to www.socialsecurity.gov.

What you can do now

Onesuggestionistotakeadvantageofthe10workyears you have ahead of you to open a supplemental savingsplan,suchasa403(b)orIRA.Socksomemoney away for your future.

Moreinfoisavailableatwww.CalSTRS.com/Pension2.

Do you have a question to be answered in the Dear CalSTRS feature? If so, please e-mail your question to Communications@CalSTRS.com. If you have a general question or one about your personal account, please go to www.CalSTRS.com/contact.

Which retirement issue would you advise a younger colleague to follow?

CalSTRS conducted an online poll betweenDecember17,2007,andMarch10,2008,andposedthisquestion: “As an active educator betweentheagesof40and49,which one of the following retire-ment issues and concerns would you advise a younger colleague to give primary attention to when planning for retirement?”

dear CalSTRSTeacher Asks About Social Security

Short Answer: If You Don’t Pay in, You’re Not Eligible

photos this page © 2008 Jupiterimages Corporation

SUMMER 2008 www.CalSTRS.com Your Money Matters 5

What’s a 403(b) and 457(b)?A 403(b) Offers Special Tax Benefits

A403(b)isatax-deferredinvestmentplanthatpublic schools offer to their employees. It’s named afterthe403(b)sectionoftheInternalRevenueCode.TheCalSTRSPension2isa403(b).Yourcontribution is deducted from your pay check before it is taxed so you see a savings right away.

457(b) is Similar to a 403(b)

A457(b),oftencalledadeferredcompensationplan,issimilartoa403(b),butwithdifferentrules.Itisnamedafterthe457(b)sectionofthe Internal Revenue Code.

What’s Tax Deferred?Tax-Deferral Delays Your Tax Liability

Under a tax-deferred retirement plan, you don’t pay taxes on your contributions or investment earnings, but delay any possible tax liability until you retire or withdraw from your account. Paying the tax later when your income is smaller could result in a reduced tax bill.

What’s a Defined Benefit?CalSTRS Defined Benefit Is Guaranteed

YourCalSTRSpensionisaguaranteedmonthlybenefit based on a formula, not the amount of money you have in your account.

CalSTRS Pension2

YourfirstpensionisyourCalSTRSDefinedBenefit.Pension2isaCalSTRS-administeredsupplemental savings plan.

How Much Can You Live On?

YoucannotoutliveyourCalSTRSmonthlybenefit. However, the average career teacher’s pensionreplacesonlyabout60to65percentoffinal pay. We have found that you should have 90percentofyourfinalpay,dependingonyourhealth care coverage, to retire comfortably.

Andconsiderthis:Youdon’tearnSocialSecu-rity for your public school employment, and many retired educators have to pay for their own health care costs.

The Question

Mosteducatorsneedmoreincometomakeupthe gap between their CalSTRS benefit and their retirement needs. What to do?

Supplemental Savings Is One Answer

If you want to retire with more, one way is to startasupplementalsavingsplan.Getstartedatwww.CalSTRS.com/members/pension2.

CalSTRS Explains It All For You

CalSTRS Pension2® Personal Wealth Plan:Your First Step to a Brighter Financial Future

GeT STARTeD HeRePlanning for the future isn’t complicated. Start saving today.

Your first step is to get the information you need about the new CalSTRS Pension2 personal wealth plan. Read more at www.CalSTRS.com/members/pension2.

Yes, it is just that easy E-mail: Pension2@CalSTRS.com Fax: 916-229-4202 Phone: 888-394-2060 Mail to: CalSTRS, P.O. Box 15275, M.S. 44 Sacramento, CA 95851-0275

Calculate Your R e t i r e m e n t

Curious about how much retirement you’ll receive from CalSTRS?

Calculate It Yourself

•Onlineatwww.CalSTRS.com/calculators

•InMemberHandbookatwww.CalSTRS.com/publications.

Check Your Statement

• Ifyou’reanactivemember45yearsoldandolder,youcanget

a quick estimate by reviewing your latest annual statement

found within the Retirement Progress Report.

Get It From a Counselor

• Call800-228-5453toschedule.

Your Formula for a Successful Retirement

YourCalSTRSretirementbenefitisbasedonaformula,notthebalancein

your account. Once vested, you are guaranteed a monthly retirement benefit

for your retired life.

Here’s the basic formula:

Service Credit X Age Factor X Final Compensation = Member-Only Benefit

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6 www.CalSTRS.com

Next year I plan to use our great new science and social studies adoptions to meet state language arts standards. It’s a great way to make these curricular areas a bigger priority throughout our school day.

— Wendy Weller, elementary teacher, Elk Grove

Funny About Money

I will focus on being a better communicator to the students and my colleagues. The individual who has the ability to communicate clearly and effectively will create a cohesive environment and enhance the learning opportunities and experiences of everyone.

— Eric Anson, elementary teacher, Rancho Cordova

I had an absolutely outstanding school year; therefore, there is little I plan to change. I will continue to introduce new poems, literature and writing prompts and will learn along with my students. I’ll attend workshops because the way to stay excited about teaching is to be excited about learning.

— Margaret Karl, secondary teacher, Elk Grove

Three teachers were asked: What will you do differently

next year as an educator?

©iS

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Steve Kelley Editorial Cartoon © 2008 Steve Kelley. Used with the permission of Steve Kelley and Creators Syndicate. All rights reserved.

SUMMER 2008 www.CalSTRS.com Your Money Matters 7

Money Can’t Buy You Love, But

It Can Buy Service Credit

Service Credit Is ImportantService credit is the number of years you earn while you work as a teacher or school administrator in public schools and contribute to CalSTRS before retirement. The more service credit you have, the greater your retirement benefit.

Your retirement benefit is figured on this formula:

Your service credit x Your age at retirement x Your final compensation = Your Retirement Benefit

An increase in any of these factors, including service credit, may increase your benefit.

Incentives to retire with as much service credit as possible include:

• 25ormoreyearsofservicecreditgivesyoutheone-yearfinal compensation calculation. Otherwise, the three-year calculation applies.

• 30ormoreyearsofservicecreditgivesyouacareerfactorboostofupto0.2percent.

• 30yearsormoreofservicecreditmaygiveyoualongevitybonusofupto$400permonthifyouearn30yearsofservicecreditbyJanuary1,2011.

How to Get More Service Credit• Workmoreyears.

• Withincertainrestrictions,makethesekindsofservicecredit purchases:

– Permissive credit for nonCalSTRS activities, such as substitute teaching or active military service

– Nonqualified service credit, or “air time”

~ Nonqualified service credit doesn’t qualify you for thecareerfactor,longevitybonusorthe25-year threshold final compensation

– Redeposit previously withdrawn CalSTRS contributions.

The Cost of Service CreditCosts to purchase service credit differ depending on the kind of service credit you want to buy. It will cost less if you purchase service credit early in your career. In general, the sooner you buy service credit, the better.

Calculate the CostCalculate the cost of purchasing service credit at www.CalSTRS.com/calculators. Schedule to attend a CalSTRS workshoporabenefitscounselingsessionat800-228-5453.Sample calculations are available in Purchase Additional Service Credit at www.CalSTRS.com/publications.

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CalSTRS ResourcesWeb sites www.CalSTRS.com Click Contact Us to e-mail

www.403bCompare.com

Call 800-228-5453 7 a.m. to 6 p.m. Monday through Friday TTY 916-229-3541

866-384-4457 Home Loan Program

888-394-2060 Pension2® Write CalSTRS P.O. Box 15275 Sacramento, CA 95851-0275

Fax 916-229-3879

“Logging onto myCalSTRS was easy. I found myself with tremendous access to all sorts of valuable information about retirement and planning for my future.”

—Alan Sitomer, high school teacher and 2007 California Teacher of Year

myCalSTRS:

Your Personal Information Quick, Current and Paper-free

Free Gift For YouReceive a free Why Wait savings

calculator by sending an e-mail request to Pension2@CalSTRS.com. This paper calculator will help you figure out how much money you can accumulate if you start saving today.

How easy is it to register for myCalSTRS? MyCalSTRS gives you access to secure information about your CalSTRS account anytime, day or night.

• Review your benefit choices

• Update your mailing address and telephone number (Level II access)

• Ask questions about your account and receive prompt, confidential answers.

You check your bank statement online. Why not do the same with your CalSTRS account?

To register, go to www.CalSTRS.com and follow the step-by-step directions. If you’re already registered, you can log on right away.