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Build your retirement savings

Retirement is closer than you think, and Social Security won’t be enough

A realistic plan to determine how much you need to reach your retirement goals starts with a sound savings plan.

Enroll in your employer's plan.
Retirement is closer than you think, and Social Security won’t be enough. Your workplace retirement plan offers incentives and tax advantages to build savings. But the longer you wait, the less time you will have and the more expensive it becomes. Start now. 

Recent studies indicate: only 27% feel very prepared for retirement, pre-retirees anticipate an unsustainable 9% withdrawal rate in retirement, 50% of those aged 55-64 have less than $100,000 in retirement savings
Determine the right investments.
Time horizon and risk tolerance help determine the right investments. Time horizon is the span of time between now and when you need the money. For many, this will be retirement. The more time you have, the more aggressively you can invest. Another facet of risk tolerance is, the closer you are to needing the assets — say, at retirement — the less time your portfolio has to recover from a market downturn, so your investment selection might be for asset protection, rather than growth if you are nearing retirement.
Select your investments.
Your employer's plan likely offers a variety of funds among different categories and asset classes. How do you choose? Asset allocation is a powerful and scientific way to determine the types of investments and the percentages you should select to create an optimal mix of investments for your goals. Of course, asset allocation does not ensure a profit or protect against market loss.

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