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Funding retirement is just as important as building your Emergency Fund


Your age, how much you have already invested for retirement and your risk tolerance determines how much you should be putting away.

Quick rules of thumb, if you are just getting started and in your:

  • 20’s 15% of gross income (before taxes)
  • 30’s 20%
  • 40’s 25%
  • 50’s 35% or more

NOTE:  Your employer match counts as part of this.

If you consider yourself to be conservative, you should contribute more.

These numbers are guidelines, not guarantees. You win financially by establishing good investing habits. The goal is to find the right balance between enjoying today and preparing for the future.

Most important is just to get started ASAP! If you can’t meet the above targets, do what you can and increase your contributions whenever possible until you are on track.


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