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By Michael Schoonmaker - September 11, 2017
Getting started on anything complicated can often feel like a bigger barrier than the task itself. When it comes to saving for retirement, it's understandable that so many of us put it off to another day. The reality with investing is this: time is precious. Looking back, 66 percent of pre-retirees have at least some regret about not saving for retirement earlier, according to our research.1
So, how should you begin? The answer can vary based on your age and how close you are to your retirement date. To help you jump-start your retirement planning, I've broken it down by four age groups.
As you start your working years, this is the time to build your financial foundation and establish good money habits so you can enjoy the life experiences you want, even into your 70s and 80s.
Use our Retirement Planner tool to help you take the next step in retirement planning, including a suggested portfolio mix.
Life happens fast. For many, the good intentions of retirement planning in your 20s slipped by just as swiftly as the time. You may have missed a few years, but now is the time to make a commitment.
Find the right investing mix suited to your situation. Our Retirement Planner tool can help you move your plan forward.
In the midpoint of your working life, you've likely managed to save some for retirement. If you've still been slow to save, don't think it's too late to make a difference.
Take advantage of our Retirement Planner tool that will help you estimate your retirement income and expenses to see how much you'll have and how long it could last.
Now it's crunch time. In your 50s, your retirement target should be set, and your savings level should be in high gear. If you're feel like you'll be coming up short, consider these options.
Use our Retirement Planner tool to find the right mix of stocks, bonds and money markets for your investing time frame and tolerance for risk.
Want to work with a trusted partner to start your plan? Our investment consultants are here to help you to take the next step. Call us at 1-800-345-2021 to discuss what's right for you.
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1 Who's in the Driver's Seat? 2015 National Survey of Defined Contribution Plan Participants. American Century Investments.
2 The future value of was calculated with an initial deposit amount of $0.00 and a $5,500.00 annual deposit. Interest was calculated using a 6% rate of return for 20 years 1 day, compounded annually. Future Value Calculator. Financial Calculators from Dinkytown.net. ©1998-2017 KJE Computer Solutions, LLC.
3 This hypothetical situation contains assumptions that are intended for illustrative purposes only and are not representative of the performance of any security. There is no assurance similar results can be achieved, and this information should not be relied upon as a specific recommendation to buy or sell securities.
Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.
IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.
This information is for educational purposes only and is not intended as tax advice. Please consult your tax advisor for more detailed information or for advice regarding your individual situation.
The opinions expressed are those of American Century Investments (or the portfolio manager) and are no guarantee of the future performance of any American Century Investments' portfolio. This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.