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What to do when you lose your 401(k) matchД«ankrate follows a strict editorial policy, so you can trust that weвЂ™re putting your interests first. Should you accept an early retirement offer? Generally, the idea is to invest more aggressively when youвЂ™re young, and then slowly dial back to a more conservative mix of investments as you approach retirement age.How much should you contribute to your 401(k)? Determining the right mix of investments depends on how long you have until you need the money and how comfortable you are with risk. Retirement accounts provide access to a range of investments 4, including stocks, bonds, and mutual funds. Step 5: Select your retirement investments.

If you donвЂ™t have a workplace retirement plan, you can open your own traditional IRA or Roth retirement account. If you have a 401(k) or other employee retirement plan with matching dollars, consider starting there. Step 4: Choose the best retirement plan for you. Generally, you should aim to save for retirement at the same time that you're building your emergency fund, especially if your employer has a retirement plan that matches a portion of your contributions. The typical advice is to replace 70% to 90% of your annual pre-retirement income through savings and Social Security. The amount of money you need to retire is a function of your current income and expenses-and how you think those expenses will change in retirement. Step 2: Figure out how much money you need to retire. Strategically invest, and youвЂ™ll begin to catch up. Every dollar you save now will be much appreciated later. Even if you havenвЂ™t started saving for retirement, donвЂ™t feel as if your ship has sailed. That said, itвЂ™s never too late to start retirement planning. The earlier you start planning, the more time your money has to grow. Step 1: Know when to start retirement planning. Our aim with this retirement planning guide is to help you achieve that goal. The end goal is to have enough money to quit working and do whatever you want.

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