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Retirement Planning

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


  • Mutual fund basics

    Before making investment decisions, it’s important to learn the fundamentals of mutual funds, as well as their associated risks and benefits.

  • Understanding risk

    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.

  • Playing catch-up

    Even if you’re getting a late start on saving for retirement, there may still be time to build up your nest egg.

  • Rollovers

    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.

  • The value of a financial professional

    Learn how investors of all ages can benefit from the experience and guidance a financial professional can offer.

already-investing

American Funds Investors

The Mayernicks: Parents to the seventh power

Suzanne and Mike Mayernick discuss how they plan to give each of their seven children the opportunity to go to college

Plan Your Strategy

Build your retirement savings strategy using our sample portfolios as a guide.
 
See how a target date fund can serve as a complete portfolio that fits your timeline.
 
Does your retirement plan accept Roth contributions? Learn more about the Roth option.
 
Besides 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.)


 

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Payroll deduction analyzer

When deciding how much to contribute to a retirement plan, this calculator shows how pretax payroll deductions affect your take-home pay

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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.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional or downloaded and should be read carefully before investing.