• Facebook
  • Twitter
  • LinkedIn
  • Google+
Please enter a valid e-mail address
Please enter a valid e-mail address
Important legal information about the e-mail you will be sending. By using this service, you agree to input your real e-mail address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an e-mail. All information you provide will be used by Fidelity solely for the purpose of sending the e-mail on your behalf.The subject line of the e-mail you send will be "Fidelity.com: "

Your e-mail has been sent.

Save & Invest

No matter how near or far you are from retirement, learning how to manage debt, save smartly, and invest wisely can take you a long way toward financial security later in life.

A small change can make a big difference

Sometimes the little things in life make the biggest difference. That's true when it comes to saving for retirement too.


When you start saving for retirement, aim for an amount that's manageable (perhaps whatever's needed to meet your employer contribution, if one is offered.) Then, challenge yourself to save 1% or more each year toward retirement. While 1% is a small percentage of your annual earnings, after 20 or 30 years it can make a big difference in your total savings.


Remember, a key to growing your savings is to increase your contributions each year. If your plan lets you set automatic increases every year, definitely take advantage of it. Overall, Fidelity recommends building up to saving 15% of your income toward retirement annually (including any contributions your employer may make to your account). But remember, you don't have to get there overnight, and you can change your contribution amount if you need to.


Go ahead, challenge yourself to save a little more. Whether it's a 1%, 3%, or even 5% increase, the extra money you save today could make a big difference in helping you achieve the retirement you envision.