Take steps to build confidence in your retirement strategy and outlook.

• Stay on track with your retirement planning

  Get involved with your plan
  It can be easy to veer off track when it comes to saving for retirement. When you contribute to your plan, you gain the benefits of compounded earnings to help grow your account, tax advantages, and steps toward building a confident financial future. Enroll or log in to stay on track and contribute to your plan.

  Review your account on a regular basis
  Give your plan a periodic checkup to help keep it moving in the right direction. Retirement plans can change quickly based on life events or events beyond your control, such as swings in the market or the overall economy. Log in to review your account.

  Use My Interactive Retirement Planner^SM
  Get a comprehensive view of how ready you might be for retirement. Set a retirement goal, track your progress and review options for improving your retirement outlook with My Interactive Retirement Planner.

  Combine your retirement assets
  If you have outside retirement accounts, you can make it easier to manage your retirement assets toward a single strategy by rolling them over to your employer’s retirement plan.

• Make saving a priority

  Save more to help meet your retirement savings goals
  Continuous progress toward saving builds confidence and keeps you motivated. When it comes to saving for retirement, it’s crucial to use time to your advantage. Over time, compound interest and tax deferrals make a big difference in the amount you will accumulate. Even small increases can have a powerful impact on your retirement income. Consider increasing your contributions. Log in to get started.

  Use the Paycheck Impact Calculator
  Get an estimate of how your take-home pay would be affected by increasing or starting contributions with our Paycheck Impact Calculator.

• Build strong financial habits

  Start saving early and consistently
  Whether it’s for short-term goals, long-term goals or an unexpected emergency, saving money will always serve you well on the path to financial success. Used effectively, contributing to your retirement plan lets your hard-earned income work for you both now and in the future.

  Keep track of your spending
  Starting and sticking to a budget can help you better track your spending and keep account of your cash flow.

  Work to eliminate debt
  Focus on eliminating debt to save money in the long-term and make room in your future budget. Look for any expenses that you can reduce or erase to help meet your goals. With a high debt-to-income ratio, any type of financial crisis can increase the strain on your wallet. Start paying off any debt with the highest interest rate and work your way toward eliminating the rest.

• Review your investment strategy

  Know how your savings are invested
  How you save can be as important as how much you save. Your retirement investment strategy should align to your short- and long-term goals. Your investment mix may change over time depending on a number of factors such as your age, goals and financial circumstances. As your goals change, you may need to adjust your investment strategy to stay on track.

  Review your investment portfolio
  Asset allocation and diversification are essential parts of creating and balancing your investment portfolio, which leads to your overall returns. How you invest will depend on a number of factors, including your risk tolerance and your investment horizon. Establish an asset mix and strategy that reflects your goals at any point in time.