(StatePoint) If you’re like many Americans, you have concerns about funding your retirement. According to a recent survey conducted by Ally Bank, retirement planning tops Americans’ financial anxieties.
Rather than take a head-in-the-sand approach to your future, be proactive. Wise investments can offer advantages like tax-free, aggressive growth. And experts say the best time to get started is now.
kAm“%96 7:CDE 76H >@?E9D @7 a_`b H:== 36 :562= 7@C @A6?:?8 x#pD[ 2D 4@?EC:3FE:@?D >256 :? E9:D E:>67C2>6 >2J 36 4@F?E65 @? a_`a E2I C6EFC?D[” 25G:D6D s:2?6 |@C2:D[ p==J q2?< !C@5F4E U2>Aj x??@G2E:@? 6I64FE:G6] “tI:DE:?8 D2G6CD =@@<:?8 E@ 8C@H E96:C C6E:C6>6?E ?6DE 688 D64FC6=J >2J H2?E E@ 4@?D:56C 2 C@==@G6C @7 E96:C 6I:DE:?8 x#pD @C BF2=:7:65 C6E:C6>6?E A=2?D[ 2?5 :E :D :>A@CE2?E E@ D9@A 2C@F?5 7@C E96 >@DE 4@>A6E:E:G6 :?E6C6DE C2E6 E@ 6?DFC6 E96 36DE C6EFC? @? E96:C :?G6DE>6?ED]”k^Am
kAmp?5 E96 x#$ 2??@F?465 :? ~4E@36C a_`a E92E E96 =:>:E @? 4@?EC:3FE:@?D E@ %C25:E:@?2= 2?5 #@E9 x#pD H@F=5 C:D6 7@C E96 7:CDE E:>6 D:?46 a__g[ 7C@> Sd[___ E@ Sd[d__]k^Am
kAm“%96 :?4C62D65 4@?EC:3FE:@? =:>:E 7@C a_`b >2<6D ?@H 2 AC:>6 @AA@CEF?:EJ 7@C A6@A=6 @7 2== 286D E@ 4@?EC:3FE6 >62?:?87F==J E@ E96:C C6E:C6>6?E D2G:?8D[” |@C2:D 6>A92D:K6D]k^Am
kAm{@@<:?8 E@ 3@@DE J@FC C6E:C6>6?E C625:?6DD D64FC6=Jn w6C6 2C6 D@>6 :>A@CE2?E E9:?8D E@ 4@?D:56Cik^Am
kAm• %96 >@DE 4@>>@? x#p A=2?D 2C6 k2 9C67lQ9EEAi^^HHH]2==J]4@>^32?<^:C2^4@>A2C6^:?56I]9E>=Q E:E=6lQx#p \ !=2? r@>A2C:D@? \ %23=6Qm%C25:E:@?2=[ #@E9 2?5 $:>A=:7:65 t>A=@J66 !6?D:@? x#pDk^2m] s6A6?5:?8 @? 286 2?5 E2I23=6 :?4@>6[ J@F 4@F=5 92G6 >@C6 E92? @?6 x#p A=2? E@ 49@@D6 7C@> E@ 96=A J@F >66E J@FC 8@2=D]k^Am
kAm• ~?46 J@F 49@@D6 2? x#p A=2?[ J@F 42? EJA:42==J D6=64E 7C@> 2 G2C:6EJ @7 AC@5F4ED[ 7C@> =@H6C C:D< D2G:?8D 244@F?ED 2?5 46CE:7:42E6D @7 56A@D:E WrsX E@ 9:896C C:D< DE@4<D[ 3@?5D 2?5 >FEF2= 7F?5D]k^Am
kAm• u@C D64FC6 8C@HE9[ 4@?D:56C rsD 2?5 @?=:?6 D2G:?8D 244@F?ED] $F49 AC@5F4ED 2C6 =6DD C:D<J E92? DE@4<D] ~C C@== @G6C 6I:DE:?8 x#pD[ c_`W<X @C c_bW3XD :?E@ @?6 x#p H:E9 8C62E[ DE23=6 C2E6D]k^Am
kAm• {@@< 36J@?5 3C2?49 32?<D] u@C 6I2>A=6[ 2 32?< H:E9 ?@ A9JD:42= =@42E:@?D[ DF49 2D p==J q2?<[ 42? @776C 4@>A6E:E:G6 C2E6D[ =@H 766D[ 2?5 C@F?5\E96\4=@4<[ =:G6 4FDE@>6C DFAA@CE]k^Am
kAm• q6 25G:D65[ E96C6 2C6 C6DEC:4E:@?D 2D E@ 9@H J@F 42? 255 >@?6J E@ x#pD 32D65 @? 286 2?5 H96? J@F 42? FD6 E96 >@?6J J@F’G6 D2G65] *@FC E2I AC@76DD:@?2= 42? 96=A J@F 56E6C>:?6 E96 36DE A=2? 7@C J@FC ?665D] p3@G6 2==[ =@@< 7@C DEC2:89E7@CH2C5 C6E:C6>6?E AC@5F4ED E92E H:== 96=A J@F 86E 4=@D6C E@ J@FC C6E:C6>6?E D2G:?8D 8@2=D]k^Am
kAmkDEC@?8m•k^DEC@?8m s@?’E 36 27C2:5 E@ >@G6 2C@F?5 J@FC C6E:C6>6?E >@?6J E@ >2<6 E96 >@DE @7 :E] p 5:C64E C@== @G6C :D 72:C=J 62DJ 2?5 2G@:5D E96 E2I H:E99@=5:?8 2?5 2DD@4:2E65 C6A@CE:?8 C6BF:C6>6?ED @7 2 A6CD@?2= H:E95C2H2= EC2?D24E:@?]k^Am
kAmkDEC@?8m•k^DEC@?8m *@F 42? 4@?G6CE J@FC %C25:E:@?2= x#p E@ 2 #@E9 x#p] q68:??:?8 :? a_`_[ 6=:8:3:=:EJ C6BF:C6>6?ED 32D65 @? :?4@>6 2?5 >2C:E2= DE2EFD 92G6 366? 6=:>:?2E65]k^Am
kAm|@C6 :?7@C>2E:@? 23@FE C6E:C6>6?E D2G:?8D A=2?D 42? 36 7@F?5 2E k2 9C67lQ9EEAi^^HHH]2==J]4@>^32?<^:C2^Qm9EEAi^^HHH]2==J]4@>^32?<^:C2^k^2m]k^Am
kAmtG6CJ 52J J@F H2:E :D 2?@E96C 52J J@FC C6E:C6>6?E >@?6J :D?’E 24E:G6=J 8C@H:?8] (96E96C J@F’C6 ;FDE 86EE:?8 DE2CE65 @C 3F:=5:?8 @? J@FC 4FCC6?E D2G:?8D[ E96C6’D ?@ E:>6 =:<6 E96 AC6D6?E E@ >2<6 2 4@?EC:3FE:@? E@ J@FC C6E:C6>6?E 244@F?E]k^Am
kA 2=:8?lQ46?E6CQmYYYYYk^Am
kAmk:>8 DC4lQ9EEAi^^7665D]DE2E6A@:?E]?6E^E@H??6HD^A=246>6?E]2D9InEl4U2>Aj:5lahheQ ^mk^Am