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 thereafter2.

 

 

Planning your retirement journey

Define your retirement vision

 

Take careful inventory of your current savings, investments, and income to determine where you stand in relation to your goals.

Retirement Planning Calculator

Contribute to a 401(k)

 

If your company has a 401(k) retirement plan, that’s a great place to get started. Contribute at least enough to take full advantage of employer matching.

watch the video

Open an IRA

 

Opening an IRA in addition to your workplace retirement plan can give your nest egg a significant boost.
 

Retirement accounts

Stay on track

 

Are you saving enough for retirement? Do you need to adjust your portfolio? Review your strategy annually as the markets or your goals change.  

My Virtual Advisor

Did you know image
Did you know?

Starting to save early is one of the best retirement choices you can make. Here’s what you’d save by age 65 if you put $50 a week into your IRA, assuming 5 percent growth.2

$177,107

if you started saving at age 35

$322,018

if you started savings at age 25

But what if ...

I have debt I need to pay off?

I have debt I need to pay off?

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

Learn more

I already contribute to a 401(k) plan at work?

I already contribute to a 401(k) plan at work?

You can still contribute up to $5,500 to an IRA. Why do it? Because it’s a good way to save more, and you’ll still enjoy tax advantages on the earnings in your IRA.

 
Learn more

I'm not sure I need to save now, retirement is a long way off?

I'm not sure I need to save now, retirement is a long way off?

Saving early and often can lead to major benefits. Get started by creating a retirement plan, then periodically reviewing to make sure you are 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 for you

Traditional IRA

Potential tax-deductible contributions
 

Save for your 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 your retirement savings
 

Moving an old 401(k) into a new IRA can lower your fees and give you greater control over your financial future.

What’s your risk profile?

Risk and reward go hand in hand. Learn how your feelings about risk might shape your investing 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 the questions you need to ask yourself before you start building your portfolio, and how they’ll affect your investment choices. 

Read the article

Asset allocation

 

Learn about the types of investments available for your portfolio and how to use them to plan for the retirement you want.

Watch the video

The power of diversification

 

Diversification is one of the key concepts in investing. Learn how a mix of investments can help protect your 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 your long-term savings plans.

Read the article

Did you know image
Did you know?

As life expectancies go up, retirement savings need 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 ...

I’m unhappy with the performance of my investments?

I’m unhappy with the performance of my investments?

There may be several ways to get more from your portfolio. Talk to our Financial Consultants5 to learn how.

Learn more

I’ve maxed out my 401(k) or IRA contributions?

I’ve maxed out my 401(k) or IRA contributions?

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

Learn more about brokerage accounts

I’ve recently changed jobs?

I’ve recently changed jobs?

Don’t forget about your 401(k). Roll it over to one of our IRAs for more control over your portfolio.

Use our Rollover Assistant or see all your options
$

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 for you

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 your retirement savings
 

Moving an old 401(k) into a new IRA can lower your fees and give you greater control over your financial future.

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.

How long will your money last?

See if your expectations match what you're likely to save

 

How long will your money last?

I plan to have when I retire, 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

What will you do after you retire?

Your future income need: defining and prioritizing expenses in retirement

 

How do you estimate the amount of money you’ll need to retire? Start by looking at your priorities.

Watch the video

Your retirement paycheck: documenting sources of income for retirement

 

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

Watch the video

Tax-friendly moves for early retirees
 

 

If you’re retiring before age 59½, you’ll need to watch out for large federal tax penalties.

Read the article

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

A look at some of the important issues you need to think about once you start tapping into your retirement savings.

Read the article

Did you know image
Did you know?

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

70½ years

age when you need to start withdrawing from your 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 ...

I'm not sure I saved enough for retirement?

I'm not sure I saved enough for retirement?

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

I want to retire early?

I want to retire early?

If you’re retiring in your 50s or earlier, you’ll have to be careful to avoid tax penalties when you’re withdrawing from your IRA or 401(k).

Read the article

I claimed retirement benefits early?

I claimed retirement benefits early?

Learn about a little-known feature in Social Security called the "Do-Over" strategy, why it's not dead, and what your 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 for you

E*TRADE CompleteTM IRA

Fast, easy IRA withdrawals for investors over 59½
 

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

Rollover IRA

Take control of your retirement savings
 

Moving an old 401(k) into a new IRA can lower your fees and give you greater control over your financial future.

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.