Starting out
Ready to get your retirement savings underway? Here are three easy ways to begin.
01 Consider starting with a 401(k)
If available, think about joining your employer’s retirement plan, like a 401(k).
02 Consider opening an IRA
Find out if you’re eligible for an individual retirement account (IRA) and think about contributing.
03 Put your money to work
Open a general investment account to potentially grow your savings even more.

Consider contributing to an employer-sponsored retirement plan
If you choose to invest in an employer-sponsored plan, like a 401(k), your account may:
- Have higher contribution limits than other retirement accounts
- Let you automatically contribute from your paycheck, and many employers match a certain percentage of your contributions
- Come with potential tax advantages

What is an IRA?
An individual retirement account (IRA) is a tax-advantaged account that can help individuals plan and save for retirement. Two of the most common types of IRAs are:
Traditional IRA
Your contributions to this retirement account may be tax-deductible, but you will likely have to pay taxes when you withdraw your money.
Roth IRA
With this retirement account, you may be able to contribute after‑tax dollars. Plus, you don’t have to pay federal tax on qualified distributions.
Additional resources to help you navigate your retirement
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