Real balance. Steady results.

Support the long-term goals for your retirement savings by establishing an investment plan with an asset allocation strategy—a combination of stocks, bonds, and cash investments.

Your mix, your stage of life

When you're younger, typically your asset allocation strategy may be more aggressive and carry more risk, and in turn you have the potential to experience higher returns. Time is on your side, so recovering from a possible loss may be less of a concern. As the decades go by and retirement nears, it is wise to review your allocations periodically, to help ensure they reflect your changing circumstances. It is important to remember that asset allocation does not ensure a profit or protect against loss. Learn more about asset allocation

It is wise to review your allocations periodically, to help ensure they reflect your changing circumstances.

Simple Steps

Use tax advantaged plans

Maximize contributions to your employer-sponsored (i.e. 401(k)) retirement plan or open an IRA. Base your account selections on your timeline and goals. Learn more about IRAs

Reduce debt

Look for opportunities to save more by paying off credit cards or consider consolidating them to lower-interest vehicles. Try the Expense Worksheet to outline your current spending.

Changing jobs? Rollover your 401(k)

Consider consolidating workplace retirement accounts to help you more easily track and manage your plan. It's important to consider investment options and fees. Consult with your tax advisor before taking action. Learn more about 401(k) rollovers

Set up potential protection strategies

Prepare for unexpected twists and turns in the markets, the economy, and in life. Consider purchasing long-term care, disability, and/or life insurance.

Make catch-up contributions

If you're over 50, take advantage of the opportunity to make additional contributions to your retirement accounts.

Cornerstones of Retirement

Continue to invest in your retirement fund through increased saving and smart asset allocation choices. Also, take the time to review all of your insurance coverages (life, disability, auto, home and long-term care) to potentially protect your retirement savings from unforeseen events. Learn about the cornerstones of retirement planning

A rollover of qualified plan assets into an IRA is not your only option. Before deciding whether to keep an existing plan, or rolling it into an IRA, be sure to consider potential benefits and limitations of all options. These include total fees and expenses, range of investment options available, penalty-free withdrawals, availability of services, protection from creditors, RMD planning, and taxation of employer stock. Discuss rollover options with your tax advisor for tax considerations.

Saving Strategies

Save early and often to build momentum.

Investing Strategies

Establish an investment plan with an asset allocation strategy.

Retirement Income Strategies

Identify retirement income sources to create your retirement paycheck strategy.

Related Topics

Run the numbers

Estimate what it may take to save for your retirement.

Retirement Calculator

RealSteps>Retirement® Resource Guide

This guide includes information and tools to help you take action and manage your retirement goals.


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