By G. Michael Perry, Howard L. Sorkin
Your shortcut to good fortune™ for over forty years CliffsNotes. They helped you get via university. Now allow them to assist you get via existence. With this trusty advisor, you will get in control speedy on easy methods to begin saving for these golden years.Check out our different CliffsNotes titles See the interior again pages for a listing of CliffsNotes on pcs, software program, the net, own Finance, and Careers — and search for CliffsNotes on different subject matters coming quickly.
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How long do you have to save for your retirement? 56 CliffsNotes Planning Your Retirement ■ Set a goal for your rate of return. But bear in mind that the more aggressive your goals, the more likely it is that you’ll have to invest in riskier investments to meet that rate goal. ■ Take risks, when appropriate. The most conservative investment option may not always be the best. Investing in your company’s stock Some 401(k) plans allow employees to invest in the stock of the company as an alternative.
Your retirement depends upon your finding out what is available and getting educated. Evaluating investment risk Most employers offer their employees a range of choices of funds or other investment opportunities. You must make sure that you invest your money and any matching funds from Chapter 5: Making the Most of Your 401(k) Plan 53 your employer to make the funds work for your long-term goals. You have to understand levels of risk and learn how to judge what kind of fund or investment is most appropriate for you to achieve your retirement goals.
The SPD describes the plan in simple, straightforward language, states all the rules, and outlines what you can do in the program. In almost all cases, your employer’s human resources or payroll department lets you know what decisions you need to make, such as how much to defer, where to invest the funds, and what forms need to be filled out (and when). The remainder of this section deals with these issues. Getting investment education The government requires employers to provide education to you regarding your retirement plan investment choices.