Are you concerned because you don't yet have any money set aside for retirement? If so, there is no reasons to worry, start investing now. The best way to do this is to invest in a tax-advantage retirement account such as a Roth IRA. A Roth individual retirement account allows you to invest up to a certain amount of money each year into an account that you pay taxes on. When you take it out for retirement, you don't have to pay any taxes on it, not even the earnings.
The good thing about IRAs over a 401K or 403B is that you get to choose where the money goes. With a 401K, you're employer picks the fund. With an IRA, you get to choose the mutual fund.
You can start an IRA at many banks or at a brokerage firm. Talk to your banking representative about what individual retirement accounts they have to offer and how to get started. You might get a wider range of funds to choose from if you use a brokerage firm. You can set up an appointment with a brokerage firm, or you can use an online brokerage firm.
Contribute to your IRA without a thought. This means have the money withdrawn and added to your account before you get your paycheck, if possible. This way, you don't even miss the money because you aren't paying it out of your paycheck. You will notice a bit less money at first, but before long, you'll be used to it and you'll be making money for your retirement.
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