- Introduction
- Your Retirement Investment Goals
- Risk Tolerance
- Investment Return
- Understand Risk
- Basic Strategies
- Investments
- Asset Allocation
- Managing Your Investments
- How Is Investing for Retirement Different from Other Investing?
- Steps to Follow when Investing in Funds in a 401(k) Plan
This section introduces you to some basic investment concepts and general information related to making investment decisions, whether it be for money inside a retirement plan, such as an IRA or 401(k), or for money outside a retirement plan. When you sign up for a 401(k) plan, you choose from among investment vehicles offered by the plan. Which vehicles you choose should be partly dictated by your age.
If you are age 35 or younger and have started to build your retirement nest egg, time will enable you to take advantage of investment vehicles with long-term growth potential. You will have the ability to ride out the market's peaks and valleys, and take advantage of growth potential.
If you started saving for retirement towards the middle of your working life, or are age 35 to age 50, you can easily enjoy a middle of the road strategy with your retirement investments. You can strike a comfortable balance between growth funds and fixed-income funds to work toward your goal.
If you are currently age 50 or older, it's time to get more conservative. Concentrate on preserving your capital. Less risky investments will be less likely to drop in value.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Franklin Mint Federal Credit Union and Mint Wealth Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Mint Wealth Advisors, and may also be employees of Franklin Mint Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Franklin Mint Federal Credit Union or Mint Wealth Advisors. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
*The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: NJ, PA, NY, DE, AZ, MI, FL, MD, TX, VA, GA, NC.
Financial Learning Center content created by TrueBridge, Inc. The information provided is based upon sources and data believed to be accurate and reliable. The content contained herein is intended for information and illustrative purposes only, should not in any way be construed as a personal recommendation, and should be used in conjunction with individual professional advice.
