RETIREMENT GUIDES It’s always the right time to plan for retirement

If you've been saving in an employer-sponsored retirement plan, explore the advantages of an employer match, if offered, and work to contribute the maximum amount allowed.

Explore rolling over your 401(k) from a former employer to a J.P. Morgan IRA.

When you’ve maxed out your tax-advantaged options, you can use a general investment account to invest more. Remember that these are taxable accounts and that your gains or income will be taxed.

Learn about contributing the maximum amount allowed each year on your workplace retirement plan and/or IRA. If you’re age 50 or older, you may be able to make catch-up contributions to your retirement accounts. That means you have the opportunity to contribute additional amounts to your 401(k) and IRA.

You may want to shift some of your portfolio to investments that carry less risk and produce more reliable income, such as bonds. Bonds are less susceptible than stocks to wide market swings and market risk, which helps you protect your retirement nest egg when you’re going to need it most.

Annuities are contracts between individuals and insurance companies that provide people with a steady stream of income in retirement. Use this calculator to estimate different annuity payouts and see how it can impact your retirement strategy.

Drawing on J.P. Morgan’s deep expertise and advisory network, discover how well-managed estate planning can help secure your family's future legacy.

The IRS requires that people with tax-deferred retirement accounts start taking required minimum distributions (RMDs) at a certain age—generally 73 (72 if you reached 72 before Jan 1, 2023). Understand RMDs and when you’ll need to start making the withdrawals from your retirement accounts.

Now that you’re in retirement, you can claim your Social Security benefit as early as age 62 or wait until you reach your full retirement age. Consider what you’ll do with your monthly earnings to make the most out of your retirement income.

Drawing on J.P. Morgan’s deep expertise and advisory network, discover how well-managed estate planning can help secure your family's future legacy.