Start planning for retirement today
Get closer to your retirement goals with three easy steps
Define your retirement goals
Retirement looks different for everyone. Regardless of what retirement means to you, defining your objectives – what matters to you and what it might cost – helps fine-tune your planning priorities. No matter where you are in life, you can take steps toward a fulfilling future.
Decade by decade guide to retirement planning
In your 20s
As you get started in your career, it’s not too early to start contributing to a 401(k) or other type of retirement account. Thanks to compounding, even small amounts can add up over time.
In your 30s
As life changes, so do your priorities. Whether you're thinking about marriage, kids, or buying a home, we can help make it easy to keep investing for your retirement. Consider “paying yourself first” and regularly contributing to your 401(k) or IRA.
In your 40s
Take a step back to review your progress and see if you’re on track to meet your goals. Review your changing goals annually and refine your portfolio as needed. Consider maxing out your 401(k) and IRA contributions so you don’t miss out on the potential for long-term growth.
In your 50s
Review your expected monthly retirement expenses to make sure you’ve set a realistic budget. Kids, life events and travel plans should be in your budget. Once you’ve had a chance to evaluate, review your portfolio and consider whether you need to make changes such as a more conservative allocation or making “catch-up” contributions.
In your 60s
Retirement is right around the corner. Whether you plan to stop working or just lighten your workload, it's time to make those last-minute decisions that will help ensure your plans go smoothly.
Knowing where you are today is the first step toward planning for the future. Try our Retirement Calculator to see how your current plan compares to your future goals.
Understand your options
There are a number of ways to invest for retirement. Each has its pros and cons, but we can help you decide which is right for you.
Ready to start investing? Explore how we can get you one step closer to the retirement you deserve.
Want the help of a dedicated advisor to develop a personalized strategy? Your J.P. Morgan Advisor gets to know you, your family and your goals to help you develop a strategy tailored to your financial reality.
Looking to create a portfolio you can monitor or manage yourself from your phone or computer? You InvestSM by J.P. Morgan is a smart, low-cost way to stay invested in your financial goals.
Put J.P. Morgan’s thinking to work for you
Get the relevant insights you need to make smarter investment decisions.
Want to know when you are ready to start investing? Take a look at our savings to investing checklist.
With the right savings and investing strategy, a successful retirement may be within reach.