About retirement plans

Good financial planning starts with knowing what your company retirement plan is all about. The more you know, the more benefit you get.

What are 401(k)s and other salary deferral plans?

Employer-sponsored salary deferral plans make investing for retirement easy. Learn more about the benefits and details. 

Why participate in a salary deferral plan?

You can’t rely on Social Security alone to cover your retirement needs. Here’s how an employer-sponsored retirement plan can help. 

Another plan option: Roth 401(k)/403(b)

Does your retirement plan accept Roth contributions? Learn more about the Roth option.

Benefits of starting early

One key to a successful retirement is investing for the long term. See how getting an early start on investing can help build your nest egg. 

Don’t forget your beneficiaries

Learn why it’ s important to designate — and periodically review — your primary and contingent beneficiaries. 

How to access your money in an emergency

You might be able to take a loan or hardship withdrawal from your retirement plan account. 

What are mutual funds?

Review the basics about mutual funds and learn about their benefits.

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 and should be read carefully before investing.

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American Funds Distributors, Inc., member FINRA.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as