How Do You Imagine Retirement?

If you could predict the future, what would your retirement look like? Will you travel the world in search of your next great adventure? Relax in the comforts of home and family? Volunteer for a charity or launch that passion project you’ve always dreamt about? A little of everything?

While you’ve probably given considerable thought to what your future might look like, you may not be certain how to get there. Your quest can start with finding the solutions that will help you save for retirement on your terms.

“Time in the market, rather than market timing, is a worthwhile guide for investors focused on retirement,” said Joe Correnti, senior vice president of brokerage product at Scottrade. “But you have to form a disciplined financial plan and follow it over the long run to increase your likelihood of success.”

Here are 5 ways you can work to build your retirement nest egg:

  1. Start by planning your ideal asset allocation within our Portfolio Review Tool. Asset allocation means picking a variety of investments that match your investment goals and risk tolerance. The tool provides model asset allocation portfolios that can help you determine an approach that’s suited for you.
  2. Pick an account type for your assets, like a Traditional IRA or a Roth IRA, for example. If you have funds in an old 401(k) plan, you might want to consider a direct rollover into an IRA account to keep all of your investments in one place.
  3. Find your preferred long-term investments. They can include mutual funds, stocks, exchange-traded funds, real estate investment trusts and bonds. 
  4. To help you find investments that align with your goals, we offer online screeners for ETFs, mutual funds and stocks. Our bond ladder tool can help you find individual bonds.
  5. Still not sure? Consider our Select Lists of mutual funds and ETFs, which can help narrow your search even further for those types of securities.

If you require a more hands-on approach, Scottrade Investment Management offers an array of professional guidance solutions.*

“Even if you’re a committed, self-directed investor, you might need professional support on part of your portfolio,” Correnti said. “It depends on your goals, your knowledge and your time. Whether you need the support, products and tools to get there alone, or you need assistance along the way, we want to help break down the barriers to your retirement dreams.”

Question: What do you want your retirement to look like?

Next Step: Retirement Savings Calculator

*Solutions offered through Scottrade Investment Management involve additional fees.

Guidance Solutions from Scottrade Investment Management™ and Advisor Access from Scottrade Investment Management™ are investment advisory services offered by Scottrade Investment Management, a registered investment advisor. Brokerage products and services are offered through Scottrade, Inc., member FINRA / SIPC, while advisory services are provided by Scottrade Investment Management. Scottrade Investment Management and Scottrade, Inc. are both wholly owned subsidiaries of Scottrade Financial Services, Inc. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

The content provided is for informational and/or educational purposes only and should not be considered a recommendation or an endorsement of any specific investment strategy. Your choice to engage in a particular investment or investment strategy should be based solely on your own research and evaluation of the risks involved, your financial circumstances, and your investment objectives. You are fully responsible for your investment decisions.

Investors should consider the investment objectives, charges, expense and unique risk profile of an exchange-traded fund (ETF) or mutual fund before investing. A prospectus contains this and other information and should be read carefully before investing. A prospectus is available through or through a Scottrade branch office.

Bonds involve risks including, but not limited to interest rate risk, reinvestment risk, inflation risk, call risk, liquidity risk, credit risk, market risk, default risk, event risk, and a risk of loss of principal. New issue offerings are sold by prospectus or offering circular available at Investors should read these carefully.

Before making any rollover decisions, investors should research and consider all available retirement options carefully. Your decision should reflect consideration of various factors, including the benefits and penalties involved. Some of these factors include, but are not limited to, investment or account related fees and expenses, differing levels of service available, withdrawal penalties, creditors and legal protections, required minimum distributions, and factors related to owning employer stock. The importance of these factors will vary depending on your individual needs and circumstances. Tax consequences may vary depending on state law and your individual situation. Scottrade does not provide tax advice. Please consult your tax or legal advisor for questions concerning your personal tax or financial situation.

The mutual funds and exchange traded funds selected for the Select Lists have been derived from a universe of mutual funds and exchange traded funds maintained by third parties for their own proprietary research products and services. Particular funds on the Select List may not be appropriate investments for you under your circumstances, and there may be other funds or investment options offered by Scottrade that are more suitable. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security. Investors should fully research any security before making an investment decision.

More Articles & Insights

As You Look Toward Retirement, Keep Your Goals in Mind

Keeping your retirement goals top of mind is key to keeping your strategy on track, regardless of your age.

There’s Still Time to Save for Retirement

If you’ve fallen behind on your retirement savings, don’t sweat it. There are steps you can take to get on track.

Self-Employed Can Consider These 401(k) Alternatives

Self-employed individuals have access to tax-advantaged retirement plans designed specifically for them.