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Financial security in retirement doesnt just happen. It takes planning and commitment and, yes, money.
Fewer than half of Americans have calculated how much they need to save for retirement. In 2010, 30 percent of private industry workers with access to a defined contribution plan (such as a 401(k) plan) did not participate. The average American spends 20 years in retirement.
Putting money away for retirement is a habit we can all live with. Remember Saving Matters!
Start now! This chart shows what you would accumulate after 5, 15, 25, and 35 years if you saved $5,000 each year and your money earned 7% annually.
$691,184
$316,245
$125,645 $28,754
current retirement plan, or roll them over to an IRA or your new employers plan.
Visit the Employee Benefits Security Administrations Web site at www.dol.gov/ebsa to view the following publications:
Savings Fitness: A Guide to Your Money and Your Financial Future Taking the Mystery Out of Retirement Planning What You Should Know about Your Retirement Plan Filing a Claim for Your Retirement Benefits Women and Retirement Savings Choosing a Retirement Solution for Your Small Business
To order copies, contact EBSA electronically at www.askebsa.dol.gov or by calling toll free 1-866-444-3272. The following Web sites can also be helpful:
AARP
www.aarp.org
American Savings Education Council
www.choosetosave.org/asec www.cfp.net/learn
Consumer Federation of America
www.consumerfed.org
The Actuarial Foundation
www.actuarialfoundation.org
U.S. Securities and Exchange Commission
www.investor.gov