Saving for Retirement Is a Journey

Whether you’re already saving or just getting started, we can help guide you every step along the way.

What’s your strategy for saving?

As you think about your approach to meeting your retirement goals, consider these retirement planning guidelines to help build your savings strategy.

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Aim to save 15% each year

Set your sights on saving at least 15% of your income every year toward retirement. And be sure to take advantage of any 401(k) employer match to help hit that target.

Why Aim to Save 15%? Read Our Rationale >

Plan to replace 75% of your income

To maintain your lifestyle in retirement, aim to replace 75% of your preretirement income. That may feel like a lot, but it's achievable when you break it down and set small goals that you can reach throughout your career.

Why Aim to Replace 75%? Read Our Rationale >

Prioritize your contributions

The order in which you contribute to your retirement accounts can help increase your future spendable income.

Learn More about Prioritizing Contributions >

See if you're on track

Get an estimate of where you stand, and test different scenarios to see how changes may impact your retirement budget with our Retirement Income Calculator.

Launch the Retirement Income Calculator >

Start maximizing your savings beyond an employer’s 401(k).

Investing in your employer’s 401(k) plan is a great place to start—but not the only path to saving for retirement. With the right account mix, you can continue to grow your nest egg throughout your retirement journey.

Investment Options

Services

Open an IRA

A popular tax-advantaged savings option, you can choose between a Roth or Traditional IRA (individual retirement account).

View IRA Accounts

General Investing

Once you’ve reached the contribution limits of an IRA, consider a general investing account to supplement your retirement savings.

Browse General Investing Accounts

Automatic Buy

Whichever account you use, automating your contributions can help you hit your goals. Tell us how much and how often you want to invest.

Get expert insights; gain clearer understanding.

Gain valuable perspective on the markets, investing strategies, and personal finance.

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Answers to Five of the Most Popular Retirement Savings Questions

Answering these five questions can help put the future you want within reach.

View More Insights >

Grow your retirement with us.

Invest in your future

We have a range of investment solutions to help you meet your retirement goals.

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Talk with us

Speak with one of our trusted Financial Consultants.

Monday–Friday, 8 a.m.–8 p.m. ET

Call 1-800-332-6161

Get retirement advice

From one-on-one retirement investment advice to professionally managed portfolios, we're here to help.

Advice Solutions

All investments are subject to market risk, including the possible loss of principal. Diversification cannot assure a profit or protect against loss in a declining market.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice. This material does not provide fiduciary recommendations concerning investments or investment management; it is not individualized to the needs of any specific benefit plan or retirement investor, nor is it directed to any recipient in connection with a specific investment or investment management decision.