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Stay Confident. Take Your Savings Goals Head-On in The New Year

STAY CONFIDENT. TAKE YOUR SAVINGS GOALS HEAD-ON IN THE NEW YEAR 89% For investors, 2014 was a wild ride. Despite the market's volatility, positive views on long-term investing have not been dampened. agree that they will reach their retirement goals. THE REAL CHALLENGE IS DISCIPLINE They are pulling from their primary source of retirement saving Many deprioritize retirement Two out of five (40%) Almost half (47%) of all investors (and 58% of those under 34) agree investors under 34 have 40% made early withdrawals from their 401(k). 47% that saving for retirement is difficult because they would rather spend on themselves today. And investors plan And half of this population 50% to use less than relies on it as their sole 28% 1/3 (28%) of their retirement account. year-end bonuses to save for retirement. E*TRADE OFFERS THE FOLLOWING SOLUTIONS FOR BOOSTING YOUR SAVINGS GOALS IN 2015: Automate the burden Setting up automatic contributions removes the guesswork from how much you will contribute each period. Look under the hood Either on your own or with a financial professional, dig into the particulars of your plan. Review the critical components like asset allocation and fee structures, but also some of the lesser-known features. For example, some plans offer the ability to draw loans, which will give you options if you have a short-term setback. Additionally, for those 50 or older, several retirement plans offer increased contribution amounts, or 'catch-ups.’ Going into the New Year is a Harvest losers great time to make a resolution SELL Tax season is around the corner. Review your portfolio and consider selling positions that have lost value in order to offset capital gains from the year. to become a more disciplined investor. Do not leave money on the table A variety of plans offer cash incentives. For instance, many employers offer 401(k) plans with a contribution match. For those with IRAS, make sure to contribute the annual maximum ($5,500 for those under 50, and $6,500 for those 50 or over) to take advantage of the potential pre-tax dollar benefit. This wave of the E*TRADE StreetWise survey was conducted from Sept. 29 to Oct. 6 2014 E*TRADE empowers smarter investing by balancing today's needs with tomorrow's goals through access to curated content and insights with actionable tools – complemented by professional guidance – online and from seasoned financial consultants. E*TRADE Financial Corporation and its affiliates do not provide tax advice, and you always should consult your own tax adviser regarding your personal circumstances before taking any action that may have tax consequences. EXTRADE Investment recommendations are provided by representatives from E*TRADE Securities LLC, a broker-dealer member of FINRA. Portfolio management services are provided by E*TRADE Capital Management, LLC, an investment adviser registered with the SEC. To help determine which guidance option may be right for you, please visit" \t "_blank" for additional information about account minimums, commissions, fees, etc. The E*TRADE Financial family of companies provides financial services including trading, investing and banking products and services to retail customers. Securities products and services are offered by E*TRADE Securities LLC, Member FINRA/SIPC © 2015 E*TRADE Financial Corporation. All rights reserved. iili

Stay Confident. Take Your Savings Goals Head-On in The New Year

shared by AgentIllustrateur on Dec 02
How to feel strong about retirement goals heading into the New Year.


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