Invest Early.
Save More.

Starting to save early is one of the best retirement planning moves you can make. Use time and the power of compounding to your advantage.2

Open an IRA Now


Define your retirement vision.

Picture what a successful retirement looks like to you. Then, take careful inventory of your current savings, investments, and income. It’s important to determine where you currently stand in relation to your goals. Use our Retirement Planning Calculator tool7 to put a plan in place.


Take care of the essentials.

Don’t turn down free money. If you have a retirement plan at work, consider contributing at least enough to take full advantage of employer matching.

Take advantage of tax-deferred savings. Opening an IRA, in addition to your workplace retirement plan, can help grow your nest egg.

Pay yourself first. Avoid splurging on less important things by setting up recurring contributions to your IRA and workplace plan (login required).

Set it, but don’t forget it. Allocate your assets and review your strategy annually (or more frequently) as the markets or your goals change.


Stock and ETF Screener

Build your portfolio, your way.

Everyone is different, and there’s not a best way to invest for retirement. You can choose investments yourself using E*TRADE’s investing tools and our exclusive All-Star Mutual Fund and All-Star ETF lists8. Or call us at 1-877-800-1208 and we’ll help you narrow down your choices.



Don’t limit yourself to IRAs.

Even though it is a taxable account, a brokerage account can supplement retirement income significantly. You can open a brokerage account, and make investments for the long run, while leaving yourself the option of using funds from it in the short term, should the need arise.


Consider your options carefully and confidently.

Roth IRA Traditional IRA
Tax-free growth potential Tax-deferred growth potential3
Contributions are not tax-deductible, but may be withdrawn at any time Contributions may be tax-deductible
Qualified distributions are tax and penalty-free All distributions are taxed as ordinary income
No mandatory distributions during the owner's lifetime, but are subject to Required Minimum Distributions after the death of the owner. Distributions prior to age 59½ may incur an early withdrawal penalty, mandatory distributions starting at age 70½
Target Date Funds

Take aim with a target date fund.

If you are just starting out, a no-load target date fund5 based on the year you plan to retire might be a good choice. These mutual funds automatically adjust their asset allocation over time, getting more conservative as the target date approaches. Check out our pre-selected funds6 below.