You’re working toward your financial goals
You may be juggling multiple financial and life priorities like family, home, education, and career, while still wanting to stay on track toward your retirement goals. Now is a great time to look at your savings and investment strategy and make sure it continues to align with where you want to go. There’s still plenty of time to make changes that can have a meaningful future impact on your savings.
Your action plan
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Consider increasing your 401(k) contributions |
Contributing more toward your 401(k), even if it’s just 1% more of your eligible pay, can make a big difference in the long run. Fidelity generally recommends putting at least 15% of your annual income toward retirement (including employer contributions), or at least enough to take full advantage of Disney’s 401(k) match, if eligible—so you’re not leaving “free” money on the table. Let compounding help your money work harder for you while time is on your side. Update your contributions. |
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Check up on your investment mix |
At least annually, it’s good to reassess how much you might need in retirement and ensure your investment mix aligns with your financial situation, risk tolerance, and retirement time horizon. You may consider a more conservative investing approach as you move closer to retirement, though you may adjust your investing approach at any time to adapt to your needs. If you prefer a “do it for me” investment style, you have options. You can invest in a Target Retirement Date Fund (a diversified mix of stocks, bonds, other investments aligned with a retirement year), where the asset allocation changes to become more conservative over time.* Similarly, Fidelity® Personalized Planning and Advice will use your preferences to create an investment strategy, monitor it, and adjust your portfolio as your goals, financial situation, and the market changes (asset-based fees apply). *Target Date Retirement Funds are an asset mix of stocks, bonds, and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed. |
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Look beyond your 401(k) for retirement savings |
While your 401(k) is a powerful foundation for retirement savings, it doesn’t have to be your only tool. Leveraging accounts like a Health Savings Account (HSA)—which works with the Disney Consumer Choice medical option—can be a versatile savings tool, offering triple-tax advantages.* You can save and invest your pre-tax dollars for the long-term and can withdraw this money tax free to cover qualified medical expenses in retirement. *With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. |
Your learning center
- Watch the video below for an overview of investment basics. Plus, explore a whole playlist of short videos covering many different savings and investment topics.
- Register for a variety of monthly live webinars handpicked by Disney to help you achieve financial goals like saving for college or buying a house, maximizing your savings opportunities with your benefits, and building your investment knowledge and skills.
- Explore on-demand videos, articles, and more.
Investing involves risk, including risk of loss.
This information is intended to be educational and is not tailored to the investment needs of any specific investor.
Fidelity® Personalized Planning & Advice at Work is a service of Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company, and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.
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