Just get started

Invest early and contribute often in an IRA.

Save now or save later?


Rate of Return

Total Value at Retirement*
$488,290
*Value based on $5,500 annual contribution to age 49, and $6,500 annually thereafter.2

 

 

Planning a retirement journey

Define your retirement vision

 

Take careful inventory of current savings, investments, and income to track progress.

Retirement Planning Calculator

Contribute to a 401(k)

 

Get started by contributing to an employer-sponsored retirement plan. Consider contributing enough to take full advantage of employer matching.

watch the video

Open an IRA

 

Opening an IRA, in addition to a workplace plan, may help boost a nest egg. Then, set up recurring contributions to the IRA to spread out your contributions out throughout the year.

OPEN AN IRA

Stay on track

 

Saving enough for retirement? Need to adjust a portfolio? Review your strategy annually as the markets or your goals change.  

My Virtual Advisor

Facts

Starting to save early is one of the best retirement choices an investor can make. Here's what can be saved by age 65 if an investor puts $50 a week into an IRA, assuming 5% growth.2


$177,107

if an investor started saving at age 35


$322,018

if an investor started saving at age 25

But what if...

There is debt to be paid off?

There is debt to be paid off

It could depend on the interest rate being paid. A credit card balance at 19 percent may be a more urgent issue than a student loan at 5 percent.

Learn more

Contributions to an employer retirement plan are already being made?

Contributions to an employer retirement plan are already being made

An investor can still contribute up to $5,500 to an IRA. Why do it? Because it’s a good way to save more, plus enjoy potential tax advantages on the earnings in the IRA.

 
Learn more

Retirement is a long way off?

Retirement is a long way off

Saving early and often may lead to major benefits. Get started by creating a retirement plan, then periodically reviewing to make sure it's on target. 

 
Learn more
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find the right account

Traditional IRA

Potential tax-deductible contributions
 

Save for retirement with tax-deductible contributions, tax-deferred growth potential, and no annual income limits.

Roth IRA3

Tax-free growth potential with tax-free future withdrawals on qualified distributions
 

Save for retirement and get valuable tax advantages, including the ability to withdraw contributions at any time.

Rollover IRA

Take control of retirement savings
 

Whether an individual has changed jobs or retired, there are options when considering what to do with a former employer’s plan. Know the pros and cons of each choice.

Compare sample risk profiles

Risk and reward go hand in hand. Learn about how feelings about risk may shape an investor's approach by moving the slider below.

Investing style is:

Moderately Aggressive

0% large cap stocks
0% small/mid-cap stocks
0% other
0% International
100% fixed income
0% cash
Less Risky
More Risky

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View assumptions
Historical 30 year returns
Best 12 months
(1986-2015)
+35.54%
Worst 12 months
(1986-2015)
-26.78%
Average 12 months
(1986-2015)
+8.83%
 

Portfolio-building basics

Designing an investment portfolio

 

Discover questions to ask before building a portfolio, and how investment choices may be affected. 

Read the article

Recurring Contributions
 

Setting up recurring contributions to an IRA may be helpful for those on a budget to spread contributions out throughout the year.

Set up now

The power of diversification

 

Diversification is one of the key concepts in investing. Learn how a mix of investments can help protect a portfolio from swings in the market.4

Watch the video

Five retirement investing myths
 

Just like anything else, retirement saving comes with its share of myths. They may be harmless, but believing them may derail long-term savings plans.

Read the article

Facts

As life expectancies go up, retirement savings needs to cover more years of living expenses. That’s a good reason to start saving as early as possible.


79 years

life expectancy in the U.S.



Source: Worldbank, 2014


63 years

average retirement age in the U.S.



Source: US Census Bureau, 2015

But what if...

Investments aren't performing as expected?

Investments aren't performing as expected

There may be several ways to get more from a portfolio. Talk to a Financial Consultant5 to learn how.

Learn more

401(k) contributions have already been maxed out?

401(k) contributions have already been maxed out

Congratulations—that’s a great problem to have! Consider opening a brokerage account to boost savings further.

Learn more about brokerage accounts

There has recently been a job change?

There has recently been a job change

Some options for a former employer-sponsored plan include leaving it as is, or rolling over into a new employer's plan or an IRA. Learn the pros and cons of each choice.

Learn More
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find the right account

Roth IRA3

Tax-free growth potential with tax-free future withdrawals on qualified distributions
 

Save for retirement and get valuable tax advantages, including the ability to withdraw contributions at any time.

Rollover IRA

Take control of retirement savings
 

Whether you have changed jobs or retired, there are options when considering what to do with a former employer’s plan. Be sure to know the pros and cons of each choice.

Brokerage Account

Invest in what you want, whenever you want
 

Take on the market with our full suite of investments, along with E*TRADE's innovative tools, people, and experience.

How much can be spent each year during retirement?

See if expectations match likely savings.

 

How much can be spent each year during retirement?

The plan is to have upon retirement, and to spend years in retirement.
Less Risk More Risk

(Assumes an investment portfolio with an expected return of 4.33%)

Estimated Pre-Tax Annual Retirement Income
Powered by Income DiscoveryTM

After retirement

Defining and prioritizing expenses in retirement

 

Learn how to estimate the amount of money needed to retire, starting with priorities.

Watch the video

Documenting sources of income for retirement

 

Learn how to document and manage retirement accounts to help income last longer.

Watch the video

Tax-friendly moves for early retirees
 

 

If retiring before age 59½, watch out for large potential federal tax penalties.

Read the article

Five retirement distribution pitfalls (and how to work around them)
 

A look at some of the important issues to think about once an investor starts tapping into their retirement savings.

Read the article

Facts

Just as there are rules for putting money into retirement savings, there are rules for taking it out. Plan carefully!


70½ years

age to start mandatory withdrawals from a Traditional IRA and 401(k)



Source: Internal Revenue Services (IRS), 2016


54%

of workers in their 50s and 60s plan to work
part-time after retirement



Source: Careerbuilder, 2015

But what if...

Current savings might not be enough?

Current savings might not be enough

The first rule of retirement income planning is never run out of money. Learn how to create an effective retirement income strategy.

Read the article

There is interest in retiring early?

There is interest in retiring early

If retiring earlier than age 59 1/2, be careful to avoid tax penalties when withdrawing from an IRA or 401(k).

Read the article

Retirement benefits were claimed early?

Retirement benefits were claimed early

Learn about a little-known feature in Social Security called the "Do-Over" strategy, why it's not dead, and what potential options may be.

Read the article
$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

$

Get up to $600 plus 60 days of commission-free trades


 for deposits of $10k or more.1 How it works

Find the right account

E*TRADE CompleteTM IRA

Fast, easy IRA withdrawals for investors over age 59½
 

Upgrade a current E*TRADE IRA for more flexibility and convenience, with a range of free cash management features.6,7

Rollover IRA

Take control of retirement savings
 

Whether you have changed jobs or retired, there are options when considering what to do with a former employer’s plan. Be sure to know the pros and cons of each choice.

Brokerage Account

Invest in what want, whenever you want
 

Take on the market with our full suite of investments, along with E*TRADE's innovative tools, people, and experience.