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Investing 101: How to Prepare for Retirement

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Join our weekly #CreditChat on Twitter & Blab every Wednesday at 3 p.m. ET. The panel included: Walter Updegrave: Former CNNMoney Ask the Expert columnist and Founder of RealDealRetirement.com, Kiplinger Retirement Report, Rod Griffin- Director of Public Education at Experian and Mike Delgado- Social Media Community Manager at Experian.

This deck features tips from: @taynelawgroup, @KOFETIME, @kevincswanson, @JustOnePay, @SFCUNews, @FedChoiceFCU, @LeslieHTayneEsq, @AirForceFCU, @care4yourfuture, @StopFraudCo, @KiplingerRetire, and @FrogskinU.

Published in: Economy & Finance
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  • Very motivational presentation.
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Investing 101: How to Prepare for Retirement

  1. 1. Investing 101 How to Prepare for Retirement #CreditChatWednesday | 3 p.m. ET
  2. 2. Join our #CreditChat every Wednesday at 3 p.m. ET. This week, we talked about how to prepare for retirement. ex.pn/retire
  3. 3. When should we start putting money toward retirement? #CreditChat Wednesday | 3 p.m. ET
  4. 4. #CreditChat Wednesday | 3 p.m. ET “Retirement is a lifelong investment. It is never too early or too late to start planning and saving at any age!” - @taynelawgroup
  5. 5. #CreditChat Wednesday | 3 p.m. ET “Ideally, start saving for retirement in your 20s - you want as much time as possible for your money to grow.” - @kevincswanson
  6. 6. #CreditChat Wednesday | 3 p.m. ET “Small investments made sooner do better than big investments for less time.” - @JustOnePay
  7. 7. #CreditChat Wednesday | 3 p.m. ET “Employ good savings habits as early as possible regardless of income! Or start a Family 401(k)!” - @KOFETIME
  8. 8. What factors should be included in a retirement planning strategy? #CreditChat Wednesday | 3 p.m. ET
  9. 9. #CreditChat Wednesday | 3 p.m. ET “When planning for retirement, you should take into account how old you are now and at what age you want to retire.” - Southeast Financial @SFCUNews
  10. 10. #CreditChat Wednesday | 3 p.m. ET “There are several, but debt, income, long-term living arrangements, and estate planning are all factors to consider.” - @LeslieHTayneEsq
  11. 11. #CreditChat Wednesday | 3 p.m. ET “When starting out, if your company offers a 401(k) with a match, save at least that much.” - @Rod_Griffin
  12. 12. #CreditChat Wednesday | 3 p.m. ET “Start with the basics; income vs expenses and how long you will need income. You don’t want to outlive your money.” - @kevincswanson
  13. 13. How much should you save for retirement? #CreditChat Wednesday | 3 p.m. ET
  14. 14. #CreditChat Wednesday | 3 p.m. ET “You have to look at how much you spend, and how much debt you’re in to determine your ‘number’.” - @FedChoiceFCU
  15. 15. #CreditChat Wednesday | 3 p.m. ET “Would be easy to say as much as possible, but really it’s as much as you need to live the life you want. Not as simple.” - @Rod_Griffin
  16. 16. #CreditChat Wednesday | 3 p.m. ET “Retirement savings: treat it like a bill in your current budget so you’re covered monthly and saving for your future.” - @KOFETIME
  17. 17. What options are available for investing for retirement? #CreditChat Wednesday | 3 p.m. ET
  18. 18. #CreditChat Wednesday | 3 p.m. ET “Look for tax-efficient options for retirement savings, dependent on your situation. 401(k) versus Roth IRA.” - @kevincswanson
  19. 19. #CreditChat Wednesday | 3 p.m. ET “Check with your employer to see if they will match your 401(k) contributions.” - @LeslieHTayneEsq
  20. 20. #CreditChat Wednesday | 3 p.m. ET “Thrift Savings Plans, 401 (k) plans, and IRAs are popular ways to save and invest for retirement.” - @FedChoiceFCU
  21. 21. How are a 401(k), a 403(b) and an IRA different? #CreditChat Wednesday | 3 p.m. ET
  22. 22. #CreditChat Wednesday | 3 p.m. ET “401(k) is from a for-profit company, 403(b) is from a tax-exempt nonprofit, and IRA is from personal retirement savings.” - @AirForceFCU
  23. 23. #CreditChat Wednesday | 3 p.m. ET “A 401(k) has a matching contribution from your employer. Which means ½ of the contributions are free money, take advantage!” - @KOFETIME
  24. 24. #CreditChat Wednesday | 3 p.m. ET “401(k)s are employee-sponsored with limited investment choices; an IRA has access to many more security investment choices.” - @kevincswanson
  25. 25. #CreditChat Wednesday | 3 p.m. ET “Think of it like: 401(k) through employers, 401(b) for public ed/tax exempt, and IRA for individuals.” - @JustOnePay
  26. 26. What is the difference between a traditional plan and a Roth plan? #CreditChat Wednesday | 3 p.m. ET
  27. 27. #CreditChat Wednesday | 3 p.m. ET “With a traditional plan, contributions are taxed when they withdraw. With Roth, contributions have already been taxed.” - Southeast Financial @SFCUNews
  28. 28. #CreditChat Wednesday | 3 p.m. ET “With traditional IRA you pay taxes when you withdraw the money in retirement. With Roth IRA you pay the taxes on the front end.” - @LeslieHTayneEsq
  29. 29. #CreditChat Wednesday | 3 p.m. ET “Both Roth and traditional IRA grow tax free in your account; IRA is taxed when you withdraw and Roth when you contribute money.” - @KOFETIME
  30. 30. Should asset allocations change as we get older? #CreditChat Wednesday | 3 p.m. ET
  31. 31. #CreditChat Wednesday | 3 p.m. ET “As you get older, shift your portfolio to bonds and money-market funds. Your tolerance for risks decreases as you age.” - @care4yourfuture
  32. 32. #CreditChat Wednesday | 3 p.m. ET “As you get older, look to gradually increase your retirement contributions each year.” - @taynelawgroup
  33. 33. #CreditChat Wednesday | 3 p.m. ET “Reevaluating your investment strategy as you age is important. Researching is important at any age.” - @StopFraudCo
  34. 34. What should we know about taxes and retirement? #CreditChat Wednesday | 3 p.m. ET
  35. 35. #CreditChat Wednesday | 3 p.m. ET “Benefit from tax diversification by holding traditional retirement accounts, Roth accounts and taxable accounts.” - @KiplingerRetire
  36. 36. #CreditChat Wednesday | 3 p.m. ET “Remember, your accounts are going to be taxed; the question is do you want to be taxed now or later?” - @care4yourfuture
  37. 37. #CreditChat Wednesday | 3 p.m. ET “Taxes and retirement: know your tax bracket so you choose wisely, Roth or IRA, and pay less taxes either now or later.” - @KOFETIME
  38. 38. How often should you review your retirement investments? #CreditChat Wednesday | 3 p.m. ET
  39. 39. #CreditChat Wednesday | 3 p.m. ET “It’s good to touch base with your retirement goals once a year, see if they align with your budget saving.” - @FrogskinU
  40. 40. #CreditChat Wednesday | 3 p.m. ET “As a general rule, once a year so you can make sure your asset allocation still makes sense for your age and goals.” - @LeslieHTayneEsq
  41. 41. #CreditChat Wednesday | 3 p.m. ET “It’s good to assess your retirement plan at least once a year and make any adjustments based on what you see.” - Southeast Financial @SFCUNews
  42. 42. Any final tips for those trying to invest for retirement? #CreditChat Wednesday | 3 p.m. ET
  43. 43. #CreditChat Wednesday | 3 p.m. ET “It can be intimidating to start, but it’s easier than you think! Save yourself stress in the future and start today.” - @JustOnePay
  44. 44. #CreditChat Wednesday | 3 p.m. ET “Contribute early and regularly. Let compounding interest work for you by starting asap. Remember, time is money!” - @care4yourfuture
  45. 45. #CreditChat Wednesday | 3 p.m. ET “Start saving early so that time is on your side. Try to increase the percentage you save with every raise you get.” - @KiplingerRetire
  46. 46. #CreditChat Wednesday | 3 p.m. ET “Retirement is the reward of a lifetime of work, make sure you prepare for it as best as you can so you can enjoy it!” - @taynelawgroup
  47. 47. #CreditChat Wednesdays | 3 p.m. ET Check out all the resources and tips shared: ex.pn/retire
  48. 48. #CreditChat Wednesdays | 3 p.m. ET Join Us Every Wednesday at 3 p.m. ET. experian.com/creditchat

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