{"id":287,"date":"2016-10-12T03:00:00","date_gmt":"2016-10-12T03:00:00","guid":{"rendered":"https:\/\/www.foreo.com\/mysa\/?p=287"},"modified":"2022-03-01T14:29:49","modified_gmt":"2022-03-01T14:29:49","slug":"how-to-start-saving-for-retirement-in-your-20s","status":"publish","type":"post","link":"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/","title":{"rendered":"How to Start Saving for Retirement in Your 20s"},"content":{"rendered":"

The ultimate cheat sheet for millennials.<\/p>\n

<\/p>\n

As millennial twenty-somethings, saving for retirement is fairly overwhelming. First, there are so many options to choose from, and second, our paycheck seems to disappear into rent, loans, and other bills almost as soon as it deposits. So how exactly do we save for the future, when retirement seems so far away? Don\u2019t be confused. We\u2019ve got you covered with the basics. This is how to start saving for retirement in your 20s.<\/p>\n

 <\/p>\n

Step 1.  Figure Out How Much You\u2019ll Need<\/strong><\/h2>\n

First things first, figure out how much you need to save. Most financial experts say to put away between 10% and 20% of your salary each month. But it\u2019s also helpful to estimate the total amount you\u2019ll need to accumulate before you\u2019re ready to retire. Start by asking yourself these questions.<\/p>\n

 <\/p>\n

What do you want your life to look like when you retire?<\/strong><\/h3>\n

It might be difficult to imagine what your life will be like in 50 years, so take these things into account. Do you plan on being married and\/or having children<\/a>? Do you hope to purchase a large house? Or do you envision spending your retirement years somewhere cheaper, like a tiny house in a rural area? The type of lifestyle you want will greatly affect how much you need.<\/p>\n

 <\/p>\n

How many years will you spend working?<\/strong><\/h3>\n

This too will help you calculate how much you\u2019ll need before you throw that retirement party. If you plan on retiring early, you may need to up the percentage you save. Still need help? Check out the retirement calculators below to estimate a more exact amount.<\/p>\n

 <\/p>\n

Use these helpful retirement calculators <\/strong><\/h3>\n

Financial advisors say to expect that as a retiree you\u2019ll spend a total of 80% of your annual salary per year of retirement. You can subtract 20% of your salary because hopefully by the time you\u2019re retired you\u2019ve paid off a house and won\u2019t have mortgage expenses. To figure out the total number you\u2019ll want to save, do this math:<\/p>\n

 <\/p>\n

(Current salary x 0.80) x number of years retired = how much you\u2019ll need to save<\/strong><\/h3>\n

Or just check out NerdWallet\u2019s useful retirement calculator<\/a>.<\/p>\n[[{“fid”:”5638″,”view_mode”:”default”,”type”:”media”,”link_text”:null,”field_deltas”:{},”attributes”:{“alt”:”How to Start Saving for Retirement in Your 20s”,”height”:600,”width”:912,”style”:”height:600px; width:912px”,”class”:”file-default media-element”,”data-delta”:”1″},”fields”:{}}]]\n

(Source: intelligentchange.com<\/a>)<\/span><\/p>\n

Step 2. How To Pick Retirement and Investment Plans<\/strong><\/h2>\n

Take a look at these options that\u2019ll help you secure your financial stability.<\/p>\n

 <\/p>\n

401(k):<\/strong><\/h3>\n

If your company sponsors a 401(k) consider yourself in a pretty clutch position. Many 401(k) plans have low fees and automatically take a percentage of pretax money out of your paycheck so you won\u2019t even notice it\u2019s gone. The major benefit of a 401(k)s is that you don\u2019t pay taxes on your investment until you start taking money out from the account. Presumably, by the time you start taking out distributions as a retiree you won\u2019t have income and your tax bracket will be lower, meaning you\u2019ll save money paying taxes on your 401(k).<\/p>\n

Bonus: <\/strong>Some companies will offer to match your contribution (which basically means you get free money), so learn your company\u2019s rules about how to achieve the maximum match and contribute at least <\/em>that amount to achieve the maximum match. You don\u2019t want to pass up free money! If you leave your company, you can still roll over the money in your 401(k) into another retirement account. FYI, the maximum annual investment for a 401(k) is $18,000. If your company does not sponsor a retirement plan or if you\u2019re self-employed, then look into IRAs (individual retirement plans).<\/p>\n

 <\/p>\n

Traditional IRA: <\/strong><\/h3>\n

The Traditional IRA is funded with pretax money. So you don\u2019t pay taxes on that money now, but you will when you withdraw it during retirement. You can invest a maximum of $5,500 per year into this account.<\/p>\n

 <\/p>\n

Roth IRA: <\/strong><\/h3>\n

A Roth IRA is funded with money after<\/em> you\u2019re paid taxes. The best benefit of a Roth IRA  is that when you withdraw in retirement you won\u2019t have to pay any additional taxes on the gains you made on your investment\u2019s growth. You can invest a maximum of $5,500 per year into this account. Just note: <\/strong>If you earn more than $117,000 a year you can\u2019t invest in a Roth IRA.<\/p>\n

 <\/p>\n

SEP IRA: <\/strong><\/h3>\n

If you\u2019re self-employed, you should strongly consider the SEP IRA. The best feature of a SEP IRA is that you are able to contribute up to 25% of your income or up to $53,000 per year (depending on whichever of these options is less).<\/p>\n

 <\/p>\n

Rollover IRA: <\/strong><\/h3>\n

A Rollover IRA is a type of traditional IRA. If you leave a job and have a 401(k) but you\u2019d like to switch up your investments, you can roll your 401(k) money into a Rollover IRA. Rolling over your 401(k) can come with strict stipulations (like completing the rollover within 60 days, so be sure to get instructions on how to do it correctly so you aren\u2019t charged any early withdrawal fees.<\/p>\n

 <\/p>\n

Index Fund or Mutual Fund: <\/strong><\/h3>\n

If you\u2019ve already taken advantage of a retirement fund and are looking for additional ways to invest your money then consider a fund. Index Funds and Mutual Funds allow you to invest in a diverse portfolio of stocks. The advantage of this is that you aren\u2019t putting all your eggs into a single basket (or stock). You can put as much money into a fund as you want. That\u2019s right, there\u2019s no maximum! However, there are some cons: There is usually a minimum amount you\u2019ll need to invest and you don\u2019t have the same tax advantages that you get with a 401(K) or IRA.<\/p>\n[[{“fid”:”5644″,”view_mode”:”default”,”type”:”media”,”link_text”:null,”field_deltas”:{},”attributes”:{“alt”:”Saving for retirement in your 20s”,”height”:600,”width”:912,”style”:”height:600px; width:912px”,”class”:”file-default media-element”,”data-delta”:”1″},”fields”:{}}]]\n

(Source: theeverygirl.com<\/a>)<\/span><\/p>\n

Step 3. Find a Financial Institution<\/strong><\/h2>\n

 <\/p>\n

Traditional Brokerages<\/strong><\/h3>\n

You can find index fund and mutual fund options through brokerages such as Vanguard, Capital One 360, and Charles Schwab.<\/p>\n

 <\/p>\n

A Digital Investment Advisor<\/strong><\/h3>\n

The newest option on the scene is a Digital Investment Advisor a.k.a a robot. In this type of investment, a computer algorithm instead of a human makes decisions on where your money will be invested. You\u2019ll complete a bunch of questions about your risk tolerance and money goals and the robot will suggest a diversified investment portfolio. Once you set this up, the algorithm will automatically adjust your account so you don\u2019t have to do any work at all. Some of these accounts don\u2019t have a minimum initial investment amount so you can get started with less money. It\u2019s a hands-off way of investing. The cons: You have less personal control than you\u2019d get with a human-run Index Fund or Mutual Fund. Take a peek at new Digital Investment Advisors like Betterment and Wealthfront to see if these are right for you.<\/p>\n

Pro tip: <\/strong>Remember there are risks associated with investing in the stock market, so make sure you always have an emergency savings account.<\/p>\n

 <\/p>\n

Step 4. Review and Open Your Account<\/strong><\/h2>\n

Review your investment options and take the time to discover what type of investment works best for your situation. This is an exciting time to start saving! Have you heard of compound interest? The money you put in now will compound quicker than the money you add in your 50s, so the sooner you start saving for retirement the better. Sure, it\u2019s a ton of work and a lot of information to take in, but making the effort now will get you financially secure in your golden years.<\/p>\n","protected":false},"excerpt":{"rendered":"

The ultimate cheat sheet for millennials.<\/p>\n","protected":false},"author":4,"featured_media":286,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1317],"tags":[315,316],"yoast_head":"\nHow to Start Saving for Retirement in Your 20s - MYSA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Start Saving for Retirement in Your 20s - MYSA\" \/>\n<meta property=\"og:description\" content=\"The ultimate cheat sheet for millennials.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\" \/>\n<meta property=\"og:site_name\" content=\"MYSA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FOREO\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-12T03:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-01T14:29:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.foreo.com\/mysa\/wp-content\/uploads\/sites\/2\/2016\/09\/articles_saving_for_retirement_header.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"lane\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FOREO\" \/>\n<meta name=\"twitter:site\" content=\"@FOREO\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"lane\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\"},\"author\":{\"name\":\"lane\",\"@id\":\"https:\/\/www.foreo.com\/mysa\/#\/schema\/person\/7a4c1bc02899cca4fac1217933a3ee5c\"},\"headline\":\"How to Start Saving for Retirement in Your 20s\",\"datePublished\":\"2016-10-12T03:00:00+00:00\",\"dateModified\":\"2022-03-01T14:29:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\"},\"wordCount\":1332,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.foreo.com\/mysa\/#organization\"},\"keywords\":[\"money\",\"saving money\"],\"articleSection\":[\"LIFESTYLE\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\",\"url\":\"https:\/\/www.foreo.com\/mysa\/how-to-start-saving-for-retirement-in-your-20s\/\",\"name\":\"How to Start Saving for Retirement in Your 20s - 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