California State Teachers'
Retirement System

Semiannual Publication
For Active and Inactive
CalSTRS Members

Fall 2007

Choose A Better Future

CalSTRS Pension2^SM
Your Personal Wealth Plan

Your plans for the future are important to us at CalSTRS. Career teachers can expect to replace about 63 percent of their median income with their primary CalSTRS defined benefit pension when they retire. Generally, you must replace 80 percent or more of your employment income in order to maintain your standard of living after you retire.

If you want more for your retirement, CalSTRS Pension2^SM personal wealth plan — available November 1, 2007 — will complement your CalSTRS Defined Benefit or Cash Balance pension with new supplemental savings choices. Pension2^SM is designed to help you reach your income replacement goals.

Why CalSTRS Pension2?

CalSTRS members have told us they need low-cost and flexible investing options to maintain their lifestyles. CalSTRS Pension2^SM offers mutual fund portfolios selected by CalSTRS investment professionals.

As a CalSTRS member, you don’t pay into or receive Social Security for your CalSTRScovered employment. Consider investing at least part of the 6.2 percent you would have contributed to Social Security into a supplemental savings program.

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