Planning Tools & Calculators

Featured Videos

Inflation: The Sneaky Thief

When putting together a strategy to pursue a comfortable retirement, you'll want to consider many factors. One of them is inflation. 

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How Pre-Tax Contributions Affect Your Paycheck  NEW

Are you thinking about making pre-tax contributions to your retirement plan? If you're like many people, you may be worried about taking home less money each pay period. But wait, there's good news! Watch this video to learn more.

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Market Volatility

Should You Sell When the Market Drops?

The stock market can sometimes take investors on a wild ride. Should you consider selling your stocks when the market drops?

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A Wild Ride: Understanding Market Volatility

On Aug. 24, 2015, the Dow Jones Industrial Average plunged 1,089 points, regained almost 1,000 points, only to slip again and close down 588. Do days like this make you feel nervous about your investments? Consider the reasons behind market volatility. 

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Putting Market Volatility Into Perspective: Coping With Volatility

When markets are volatile, sticking to a long-term investment strategy can be a challenge. There are several practical steps to take that can help you keep your head during market turbulence.

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Eleven Ways To Stay Sane In A Crazy Market

Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically.

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Women and Retirement

Retirement Savings Challenges For Women

Retirement Savings Challenges For Women

What do you imagine when you think of retirement? We all hope to have a happy and healthy retirement doing the things we love. And that takes planning. For women, it can take even more planning.

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Counting on Your Husband's Retirement Income? Three Things Women Should Know

Women face special challenges when planning for retirement, generally working fewer years and saving less, leaving many to rely on their husbands' savings and benefits to carry them both through retirement.  

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Women and Retirement Planning

Because their careers are often interrupted to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group.

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Social Security

How Much Do You Know About Social Security?

You're probably covered under Social Security, but how much do you know about this program? Test your knowledge with this quiz.

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Myths And Facts About Social Security

Social Security can be confusing, especially when trying to distinguish myth from fact. Learn more about common misunderstandings.

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Calculators

Retirement Needs Calculator

This calculator can quickly help you estimate if you're on target with your retirement income savings.

Tax-Deferred Savings Calculator

Estimate the advantage of saving for retirement before federal taxes are taken from your paycheck.

Retirement Savings

This calculator estimates the growth of your retirement savings and how long it will last based on your forecasted retirement expenses and income.

Retirement Income

This calculator estimates how your retirement savings will last based on your forecast of retirement expenses and income.

Roth IRA 2015 Conversion

When you convert a traditional IRA to a Roth IRA, the taxable portion of your traditional IRA is subject to federal income tax in the year of conversion.

Social Security Break Even Calculator

What is the best age to start receiving Social Security retirement benefits? This calculator can help you decide.

Impact of Inflation on Investment Returns

Inflation can have a powerful effect over time. Unless your portfolio's return outpaces inflation, you may be losing purchasing power. Learn more about inflation with this calculator.


Retirement Planning

Should You Pay Off Debt or Save for Retirement?

Paying off debt and saving for your future are both important financial goals. So which one should you choose?

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The 1% Difference, Part 1: Increasing Your Retirement Contributions 

One percent may not sound like a lot, but when you’re talking about dollars and sense, 1 percent can make a big difference over time. 

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The 1% Difference, Part 2: Striving for Higher Returns 

We've seen how increasing your contributions by 1 percent can make a big difference. Now, let's look at the difference earning 1 percent more on your portfolio can make over time. 

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Thinking About a Loan? Think Again. 

Before taking a loan from your retirement plan consider this: It may seem like a fast and easy way to access your account money, but is it really a good idea? Before you decide, take a moment to consider some of the risks and potential pitfalls. 

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Closing A Retirement Income Gap

As you grow closer to retirement, you may discover that your income won't be enough to meet your needs. If you find yourself in this situation, you'll need to adopt a plan to bridge this projected income gap.

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Time Can Be A Strong Ally In Saving For Retirement

When it comes to saving for retirement, time might be one of your strongest allies. Why? When time teams up with the growth potential of compounding, the results can be powerful.

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How Long Will It Take To Double Your Money?

Learn about the rule of 72 to find out how to estimate your money’s growth.

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Getting Help From A Financial Professional

Are you suddenly on your own or forced to assume greater responsibility for your financial future? Unsure about whether you're on the right track with your savings and investments? Too busy to become a financial expert but needing to make sure your assets are being managed appropriately? Or maybe you simply feel your assets could be invested or protected better than they are now. 

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Investing Made Easy

If your plan gives you a choice of pre-mixed portfolios, you can take the Investor Profile Quiz to quickly determine which mix is right for you. This short quiz considers your risk for tolerance as well as your time horizon for retirement. Choose the quiz that corresponds with the number of portfolios on the Investing Form in your enrollment booklet. If you don't have an enrollment booklet, please contact your employer.

Take the quiz for five Guided Portfolios >

Take the quiz for six Asset Allocator Portfolios >

Retirement On The Brain: Market Volatility Survival Strategies

Although most investors know that volatility is a natural part of the economic and investment cycle, they still consider it to be the number one risk to retirement security. This guide and companion video contains five strategies to help you understand and cope with market volatility as you save for retirement.

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Retirement On The Brain: Basics Of The Financial Markets

What are “the markets”? Why does everyone follow the Dow? How do mutual funds work? When you’re putting away some of your hard-earned cash for retirement, it’s helpful to know the answers to these questions, along with other information on how the financial world functions.

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Retirement On The Brain: Saving Enough For Tomorrow

When you retire, will you spend your time sailing the Caribbean? Or will you have to get a job to make ends meet? It all depends on whether you’re saving enough to fulfill your dreams. Saving Enough for Tomorrow, in addition to this workbook, can help you learn what you need to do to achieve your retirement dreams.

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Retirement On The Brain: Don't Pass Up The Perks

Understanding the advantages of your retirement plan is crucial to making wise saving and investing decisions. Your Retirement Plan explains the basic principles of how your defined contribution plan can be helpful as you look ahead to your future in retirement.

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Frequently Asked Questions

What is asset allocation and how does it work?

Asset allocation is the process of deciding how to divide your investment dollars across several asset categories. Stocks, bonds, and cash or cash alternatives are the most common components of an asset allocation strategy. However, others may be available and appropriate as well.

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How can we possibly save for retirement and our child's college education at the same time?

It's seldom easy to achieve a balance between saving for your retirement and saving for the ever-increasing costs of a college education within your present income. Yet it's imperative that you save for both at the same time.

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How Late Is Too Late To Start Saving For Retirement?

If you're in your 40s or older and haven't saved much (or anything) yet, you may face a challenge in building the retirement fund you need. The shorter your time frame, the less room you have for error. But don't panic — it's never too late to start saving.

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What Is Vesting?

Does your employer offer a retirement savings plan such as a 401(k), traditional pension, or profit-sharing plan? Did you receive a stock option grant as a year-end bonus? These employee benefits and others like them are often tied to a timeline known as a vesting schedule.

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