Already investing
There’s more to building a retirement investing strategy than simply setting aside savings. Here you’ll find the most useful resources from this website to help you fine-tune your strategy as time goes by.
What you need to know
-
Before making investment decisions, it’s important to learn the fundamentals of mutual funds, as well as their associated risks and benefits.
-
Finding the right balance of investment risk and reward is essential to helping you meet long-term goals. Learn how to get comfortable with these elements of investing.
-
How to access your money in an emergency
You might be able to take a loan or hardship withdrawal from your retirement plan account.
-
Even if you’re getting a late start on saving for retirement, there may still be time to build up your nest egg.
-
Leaving a job is a big change in your life. There are plenty of decisions to make, including what to do with your retirement plan assets. Carefully compare all your options to make the best choice for you.
Build your retirement savings strategy using our sample portfolios as a guide.
Another plan option: Roth 401(k)/403(b)Does your retirement plan accept Roth contributions? Learn more about the Roth option.
Saving outside your planBesides your retirement plan, there are other tax-deferred investment options to consider, from IRAs to variable annuities to special college savings programs.
Get a snapshot of how much you might need in retirement and whether your savings plan could get you to your goal. Then use the roadmap to help you decide how to invest your contributions. (Or use the Retirement planning calculator for more detailed results.)
When deciding how much to contribute to a retirement plan, this calculator shows how pretax payroll deductions affect your take-home pay.
Spend it or save it calculator
See the long-term difference between taking a cash distribution or rolling it over into a new plan or IRA.
Worried about how much college will cost? Use this calculator to refine your education savings plan.
Investors should carefully consider the investment objectives, risks, charges and expenses of the American Funds. This and other important information is contained in each fund’s summary prospectus and prospectus, which can be obtained from your plan’s financial professional or downloaded and should be read carefully before investing.