Advisory Planning Services: Saving For Retirement - T. Rowe Price
Prepare Today for the Lifestyle You Want Tomorrow

You have more than five years until retirement. That may seem like a long time, but your retirement may also last for many years—possibly 30 or more.

You'll need substantial assets to generate the income you want. Your portfolio, including any assets in tax-deferred retirement savings accounts, probably should include plenty of long-term growth opportunities (stocks).

While investments with higher return potential also include a higher degree of volatility, at this stage in your financial life you have more time to compensate for short-term losses with long-term gains. Over time, proper asset allocation and investment diversification can help you maximize your return potential while reducing overall portfolio volatility. Of course, diversification cannot assure a profit or protect against loss in a declining market.

Your personalized Recommendation will include:
What you'll need The amount of income you will need/prefer for a comfortable retirement
Where are you now How much you've saved already and an in-depth analysis of your current portfolio
Savings strategy What you will need to save on an annual or monthly basis until retirement
Investment strategy Our recommended portfolio and how it compares with your current one
Action plan Specific suggestions for adjusting your savings and investment strategies to achieve your goals
Ellen Jones Ellen Jones

Years from Retirement: 25

Goal: "I want a long-term savings plan that will help me build a comfortable nest egg."
Advisory Planning Services are offered by T. Rowe Price Advisory Services, Inc., a registered investment adviser under the Investment Advisers Act of 1940. T. Rowe Price Advisory Services and T. Rowe Price Investment Services are affiliated companies.