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| | Plan for Retirement

Social Security benefits comprise only a portion of the average retiree's total income today. Most comes from retirement pension or personal retirement savings, income earned on other investments, and wages (for those working in retirement). Many experts believe that the required percentage of retirement income from personal savings will rise as time goes on.

#4362 (5/03)


In the Beleaguered Fixed-Income Markets, Quality Still Counts

S. Africa debates control of elephants

Market Recovery, No. But the Worst May Be Over

Not for naught

The more we fish, the smaller they get

The housing market has a green lining

For the sake of the sockeye salmon

Is an enviromaniac loose in your office?

Mower emissions will go lower

A clear way to better energy in China?

Calvert Short Duration Income Fund Outperforms Benchmark in Second Quarter

States Fight their Oil Dependency: Who's Winning, Who's At Risk

For more information on any Calvert fund, please call Calvert at 800.327.2109 for a free prospectus. An investor should consider the investment objectives, risks, charges, and expenses of an investment carefully before investing. The prospectus contains this and other information. Read it carefully before you invest or send money.

Calvert mutual funds are underwritten and distributed by Calvert Distributors Inc., member FINRA, a subsidiary of Calvert Group, Ltd.

Institutional Funds/Separate Account Services: 800.327.2109
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