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Starting Out

Learn about options for saving for retirement and other future needs as well as the advantages of putting your savings plan into motion.

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Mid-Career

Keep your savings goals on track by managing plan contributions, asset allocations and distributions.

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Nearing Retirement

Learn about Social Security income and possible investing strategies when nearing retirement.

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In Retirement

Approaches for managing and maximizing your income during retirement.

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Explore All

Browse all savings and retirement planning resources.

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Starting Out

Articles

Choosing Between Traditional and Roth 401(k)s Traditional and Roth 401(k) plans both provide tax-advantaged ways to save for retirement. Which works best for you will depend upon your unique circumstances.

Focus on Time in the Market, Not Market Timing Find out about the potential risks of market timing versus a buy-and-hold investment strategy.

Growth vs. Value: Two Approaches to Stock Investing Two fundamentally different methods of choosing stocks can help add diversity to your portfolio.

iCharts

The Benefits of Tax-Deferred Compounding This interactive chart illustrates how tax-deferred retirement savings vehicles can give you the edge you need to pursue your financial goals.

Diversifying Your Investments Learn about the potential benefits of diversifying your investment portfolio with different types of assets.

Calculators

401(k) Contribution You want to save for retirement and take advantage of your employer's match in your 401(k) plan, but you aren't sure you can afford to. You may be surprised to see how contributing to your 401(k) will increase your income without taking a big bite out of your paycheck.

Retirement Planner Determine whether you are on track saving for retirement, and if not, how much you should invest each year to reach your savings goal.

Video

Managing Investment Risk This session teaches about the different types of investment risk and the steps you can take to minimize risk in your portfolio.

Mid-Career

Articles

How Much Do You Need to Retire? Uncertainty over the future of Social Security, longer life expectancy, and inflation all factor into how much you'll need to save for a comfortable retirement.

Retirement Plan Loans: Do They Make Sense for You? Thinking about taking a loan from your 401(k) plan? Here are some essential considerations.

Changing Jobs or Retiring? Don't Forget Your Retirement Savings! Choosing a distribution method from your retirement plan when you change jobs or retire can have significant tax implications.

iCharts

Retirement Savings: The Big Difference a Little Bit Extra Could Make Choosing a distribution method from your retirement plan when you change jobs or retire can have significant tax implications.

Reasonable Return Expectations This FastFact illustrates the historical long-term performances of stock, bond and cash investments over time to give investors perspective on viable returns.

Calculators

Asset Allocation Profiler Creates a simple profile of an investor and suggests an asset allocation.

Longevity Analyzer How long can you expect your retirement savings to last? This calculator uses a Monte Carlo simulation to estimate the likelihood of your savings lasting as long as you need.

Video

Diversifying Your Investments Learn about the potential benefits of diversifying your investment portfolio with different types of assets.

Nearing Retirement

Articles

Planning the Withdrawal of Your Retirement Assets This article offers suggestions for an efficient withdrawal strategy in retirement.

Retiring? Take Control of Your Assets When retirement’s on the horizon, there are many financial issues covered here that you'll want to consider.

When Should You Collect Social Security? When should you begin collecting Social Security? The answer depends in part on how long you think you'll be around to collect it.

iCharts

Investment Volatility and Your Retirement Income Potential Discover how the specific timing of market ups and downs can affect long-term financial security in retirement.

Calculators

Retirement Plan Distribution Planner Calculates the effects of withdrawing the assets from a tax-deferred retirement plan.

Social Security Income How much can you expect to receive in Social Security when you retire? This calculator will help you estimate your Social Security benefits.

Video

Retirement Income Planning This tutorial discusses potential risks to retirement income, as well as strategies for tapping sources of income.

In Retirement

Articles

Now That You're Retired, Maximize Your Retirement Income You will find tips on investing to get the most income out of your investments.

The Phases of Retirement: Updating Your Finances for Your Changing Lifestyle As people live longer and healthier lives, retirement income and distribution strategies require a flexible approach that provide for changing needs over time.

Retirement Account Distributions After Age 70 1/2 Minimum distributions from qualified retirement plans and IRAs are required to begin after age 70½. This article examines the options as well as the rules for required minimum distributions.

Tax Strategies for Retirees Managing taxes in retirement can be complex. Thoughtful planning may help reduce the tax burden for you and your heirs.

iCharts

Inflation's Impact on Your Retirement Income Needs Learn about the effect price increases can have on an individual's annual retirement income requirement over the course of time.

Tax-Efficient Withdrawal Strategies This iChart demonstrates the potential impact of choosing to take withdrawals from tax-deferred versus taxable accounts.

Calculators

Income Planner How much income can you expect in retirement? This calculator will help you estimate how much you can afford to spend each year, based on how long you want your savings to last.

Choosing Your Annual Withdrawal Rate Calculates the annual withdrawal rate needed to cover expenses in retirement.

Video

Investing in Retirement This video considers different ways that you might structure your portfolio so that it generates income, while still maintaining a growth element.