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Investing and Retirement

Additional Online Resources

Finding Money to Invest | Understanding Social Security | Considerations for Investing | Making Investment Decisions | Retirement Plans and IRAs | Mutual Funds

Finding Money to Invest

Controlling SpendingeXtension — Great listing of change ideas for saving on food, utilities and household maintenance, transportation, medical care, clothing and personal care, child care and leisure.

Tracking Your Spending (4 K PDF) — Iowa State University Extension — Find where your money is spent now; includes methods for gathering information using receipts, envelopes, calendars, check registers, and/or your computer.

Smart About MoneyNational Endowment for Financial Education  — Offers ideas and online resources for planned spending and saving.

Personal Finance CalculatorsInCharge Debt Solutions — Interactive tools to assist in making financial decisions, such as "Car Lease vs. Buy," "Savings Goal," "Mortgage Loan," "College Savings Plan," and more.

Understanding Social Security

Ballpark E$timateChoose to Save — Easy-to-use worksheet or online calculator helps you quickly identify approximately how much you need to save to fund a comfortable retirement. Also in Spanish.

My Social SecurityUnited States Social Security Administration — One-stop shop to request a Social Security statement, find out about your Social Security retirement benefits, and things to consider as you prepare for the future.

Plan For Your RetirementUnited States Social Security Administration — Provides detailed information about your social security retirement benefits under current law.

Social Security Information for WomenUnited States Social Security Administration — Introduces Social Security issues pertinent to women including as retirement, survivors, disability, and supplemental Security Income benefits.

Considerations for Investing

Tax Implications of Investments

Unit 7: Tax-Deferred InvestmentsRutgers Cooperative Extension; Investing For Your Future — Understand current and future tax implications of various types of investment products.

Tax Advantage CalculatorUnited States Department of the Treasury — Online tool to help you estimate what investments could be worth based on the assumptions (e.g., expected interest rate, etc.) you make.

Get Credit for Retirement Savings Contributions United States Internal Revenue Service — Determine if you can claim Retirement Savings Tax credit at tax filing time for savings contributed to a retirement plan.

How Much Risk is Right for You

Making Investment Choices Risk & ReturnWomen's Institute for a Secure Retirement (WISER) — Discusses how risk and return are part of the same equation when investing.

Investment Considerations

Choose to Save ResourcesChoose to Save — Resource links by topic or life event, including a list of well being resources from A to Z.

Investing for Your FutureRutgers Cooperative Extension — Eleven-unit home study course for beginning investors.

20 Keys to Being a Smarter Investor (214 K PDF) — Financial Planning Association (FPA) — Outlines tips for being a smart investor.

Investment Risk Tolerance QuizRutgers Cooperative Extension — Interactive quiz gives you an idea of your risk tolerance, one of the fundamental issues to consider when choosing your investments.

Making Investment Decisions

Investing for Your FutureRutgers Cooperative Extension — Eleven-unit home study course for beginning investors.

20 Keys to Being a Smarter Investor (214 K PDF) — Financial Planning Association (FPA) — Outlines tips for being a smart investor.

AARP InvestingAARP — Provides current news and resources to learn about investing.

Save and InvestFinancial Literacy and Education Commission — Resources to help learn about saving and investing; includes access to many financial calculators.

TreasuryDirectUnited States Department of the Treasury — Provides information about how to purchase United States savings bonds and current rates of return.

Investment Risk Tolerance QuizRutgers Cooperative Extension — Interactive quiz gives you an idea of your risk tolerance, one of the fundamental issues to consider when choosing your investments.

Investment Risk and Return CharacteristicsRutgers Cooperative Extension — Provides examples of common types of investments classified according to their potential return and investment risk.

Estimation CalculatorsUnited States Department of the Treasury — Online tools for estimating the future value of your savings bonds and how much and how long it will take to reach your goals.

Retirement Plans and IRAs

Employer Sponsored Retirement Plans

Ten Warning Signs That Your 401(k) Contributions Are Being MisusedUnited States Department of Labor: Employee Benefits Security Administration — Know the warning signs to help protect against fraud.

What To Do if Your Pension Plan EndsPension Benefit Guaranty Corporation — Outlines steps to take if your pension plan ends.

Taking Advantage of Employer-sponsored Retirement Plans American Institute of Certified Public Accountants — Tips for taking advantage of retirement plans that your employer sponsors.

IRA Basics

CalculatorsAmerican Institute of Certified Public Accountants — Dozens of calculators related to investments, and life stages.

Publication 590, Individual Retirement Arrangements (IRAs)United States Internal Revenue Service — Stay current on the regulation changes that affect IRA investments.

Does Saving for College Affect Financial Aid? (36 K PDF) — Minnesota Office of Higher Education — Fact sheet with information on the effect of IRA investments on financial aid packages.

FINRA BrokerCheckFinancial Industry Regulatory Authority, Inc. (FINRA) — Helps investors research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers; consult this resource before choosing whether to do business or continue to do business with a particular broker or brokerage firm.

Mutual Funds

What is a Mutual Fund?

Invest Wisely: An Introduction to Mutual FundsUnited States Security and Exchange Commission — Provides a brief summary of mutual fund investment basics; including how mutual funds work, types of mutual funds, what factors to consider before investing and how to avoid common pitfalls.

Mutual Fund Prospectus United States Security and Exchange Commission — Overview on what to expect from a mutual fund prospectus.

Mutual Fund Types

Invest Wisely: An Introduction to Mutual FundsUnited States Security and Exchange Commission — Provides a brief summary of mutual fund investment basics; including how mutual funds work, types of mutual funds, what factors to consider before investing and how to avoid common pitfalls.

Mutual FundsUnited States Security and Exchange Commission — Describes mutual fund varieties and characteristics for the consumer.

Mutual Fund Costs

Invest Wisely: An Introduction to Mutual FundsUnited States Security and Exchange Commission — Provides a brief summary of mutual fund investment basics; including how mutual funds work, types of mutual funds, what factors to consider before investing and how to avoid common pitfalls.

Calculating Mutual Fund Fees and ExpensesUnited States Security and Exchange Commission — General information to assist investors as they compare mutual fund costs prior to investing.

Fund AnalyzerFinancial Industry Regulatory Authority, Inc. (FINRA) — A mutual fund expense analyzer that assists consumers in comparing up to three mutual fund fees and expenses.

The SEC Mutual Fund Cost Calculator: A Tool for Comparing Mutual FundsUnited States Security and Exchange Commission — Online tool to estimate and compare the costs of owning mutual funds, including fees and expenses over time, before investing.

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