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Resources & Tools

Retirement Strategies For Late Starters

The more time consumers put off saving for retirement, the less time they have for their savings to grow. The good news is that even if you’re late to the game, it is still possible to build a comfortable retirement fund.

ACCC offers 6 retirement strategies tips:

1. Have a realistic target

Set a realistic estimate of how much money is needed to live comfortably during the retirement years. Use this number to figure out how much money you need to save each month.

2. Take advantage of tax breaks

Tax deferred accounts can help you save on income tax. If you do not have access to a 401(k) through your employer, open an IRA.

3. Know your limits

Each type of retirement account has different limits on how much money you can contribute. Check the guidelines set by the IRS.

4. Catch-up contributions

If you are over 50 years old, check your eligibility for an opportunity to save more than the standard contribution limit in your retirement funds.

5. Start minimizing expenses

Start cutting costs in order to increase savings. Those extra savings could give you more financial freedom during retirement.

6. Talk to a financial advisor

Financial advisors can help late starters develop an effective retirement plan.

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