Inteva Products  
 

Inteva Products Plan Review as of September 1, 2008

Introduction
With over three dozen investment options available, the Inteva Products 401(k) is among the best plans in the country. There are certainly enough funds in this plan to build a well-diversified portfolio for your 401(k) savings

In this page of the website we include some general commentary about the Inteva Products 401(k) plan and "Featured Funds" within the plan. At the bottom of this page, we provide a table containing many of the funds available within the Inteva Products plan with critical data on each fund including style, risk, and past performance. Throughout the page we provide other information concerning the plan and links to other areas of our website that may be of interest.

Check this page for future updates to the plan as well as news that affects your company and your 401(k) investments.

Special Note for Inteva Products Employees:

With the transition from Delphi to Inteva Products, employees have various options for the disposition of assets in their Delphi 401(k) account. The available options are:

• Roll-over your account balance into the Inteva Products Retirement Savings Plan

• Roll-over your account balance into an IRA

• Leave your account balance in the Delphi 401(k)

Important - Any Delphi 401(k) assets rolled into the Inteva plan will be locked in that plan, and you will not be able to roll these assets to an IRA until age 59 1/2 or separation of service from Inteva.

Please contact us to discuss these very important 401(k) plan decisions and any retirement planning questions by calling toll-free 1-866-444-6246.

Notice for Current and Former Delphi Employees and Inteva Employees

Note on Fidelity's Freedom Funds
Fidelity's Freedom funds are designed for investors targeting specific retirement dates as opposed to style focuses (Growth or Income). The longer the targeted time period, the more equity exposure the fund has. As the target date becomes closer, the funds reduce their stock exposure and increase bond and cash equivalent holdings to lower the investor's risk of a loss. 

The Freedom funds offer a passive approach to portfolio management that may appeal to some retirement plan participants. However, we believe the asset allocation decisions provided by these funds are crude at best. The Freedom Funds attempt to make a decision about an investor's asset mix based solely on age. An investor's financial goals (desire for gains) and tolerance for risk are other key factors that should ultimately determine investment strategy and asset allocation. Ideally, your wealth, desire for gains, risk tolerance, as well as your age and investment time horizon are all considered carefully when developing the proper asset allocation for your portfolio. Because of the "mechanical approach" to changing the asset allocations over time and the Freedom Funds' mediocre performance, we prefer an active approach to portfolio management.

Please reference "Target-Date Funds Face Regulation", published in The Wall Street Journal.

Fund Table
The Inteva Products 401(k) fund table provides critical data on investment options within the plan.

  Inteva Products 401(k) - Fund Table                                                                            

If you have any questions concerning our website or your Inteva Products 401(k) account, please feel free to contact us using the following email link: Mainstay@mainstaycapital.com 
or call us toll-free at 1-866-444-6246.

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