The fundamentals of investing

Do you know what your financial goals are? Are they to save for retirement? Pay college tuition for your children? Buy a house? Plan an extraordinary vacation? It is important to get into the habit of saving – whether for the long term or short term – to secure a successful financial future. Prioritizing your goals, developing a time frame and understanding basic investment concepts can help you determine the best way to meet your financial objectives.

Keep in mind that the earlier you can start investing, the easier it will be to reach your goal. Let's say, for example, you are considering how much you should save monthly to achieve a retirement goal of $1 million by age 65. The graph below illustrates the amount of monthly savings at various ages needed to reach your goal using a 7% hypothetical rate of return. Remember that results may vary as investing involves risk, fluctuating returns, and the possibility of loss.

Monthly savings needed to accumulate $1 million by the age of 65

The earlier you start investing, the easier it is to reach your goals.

It's Time to Learn More

Below are some basic education materials that may assist you.

Automatic Investing: A Strategy to Make the Most of the Market's Ups and Downs
Learn the potential advantages of dollar cost averaging, a historically successful investment strategy that entails automatically investing the same amount of money at a certain time interval, and of PNC's Planned Investment Program.

Past performance is no guarantee of future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than that shown here. Select a Fund to view the most recent month-end performance information or go to each Fund's snapshot page to view most recent month-end performance as well as any waiver or expense reimbursement information.

The information contained in this piece should not be considered legal or tax advice; questions regarding your specific situation should be directed to your legal or tax advisor.


You should consider the investment objectives, risks, charges, and expenses of the PNC Funds carefully before investing. A prospectus or summary prospectus with this and other information may be obtained at 800-622-FUND (3863) or Please read it carefully before investing.

PNC Capital Advisors, LLC, a subsidiary of The PNC Financial Services Group Inc., serves as investment adviser and co-administrator to PNC Funds and receives fees for its services. PNC Funds are distributed by PNC Funds Distributor, LLC, which is not affiliated with the adviser and is not a bank.

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