Our investment strategy seeks to generate long-term growth of capital and dividend income greater than the S&P 500 Index, with the potential for less volatility than the U.S. stock market.

With a 6% withdrawal rate, you would run out of money by age 81. With a 5% withdrawal rate, you would run out of money by age 89. With a 4% withdrawal rate, there would be enough growth in the portfolio to withstand these withdrawals without running out of money. any investment.

This Plan is intended to meet the requirements of section 403(b) of the Internal Revenue Code. The purpose of the plan is to enable eligible Employees to save for retirement. As well as retirement benefits, the plan provides certain benefits in the event of death or other termination of employment.

We provide financial planning, advice, and educational resources to help investors - including young and first-time investors - make their goals a reality. Our straightforward pricing delivers value - with no account fees, no minimums to open a retail brokerage account, commission-free trades and more.

Withdraw too little and you may not live the life you want to in retirement. Our guideline is to limit withdrawals to 4% to 5% of your initial retirement savings 4 , then keep increasing this withdrawal based on inflation. Read Viewpoints on Fidelity.com: How can I make my savings last?

If the interest rate on your debt is 6% or greater, you should generally pay down debt before investing additional dollars toward retirement.

Using our portfolio of $400,000 and the 4% withdrawal rate, you could withdraw $16,000 annually from your retirement accounts and expect your money to last for at least 30 years. If, say, your Social Security checks are $2,000 monthly, you'd have a combined annual income in retirement of $40,000.

about 20 years Withdrawal rates For example if you are in the 22% tax bracket and are taking $5,000 a month ($60,000 annually), then your $1 million retirement nest egg will last about 20 years if your annual return is 6% and you increase your withdrawal amount by 3% every year.

Well-rounded offering: Fidelity Investments offers $0 trading commissions, no account fees that can erode returns, a swath of research offerings and an easy-to-use platform that also can be customized for more advanced traders.

Costs. Fidelity has ranked highly in our Best for Low-Cost category every year. It offers commission-free online trading in U.S. stocks and ETFs, and there are no account fees or minimums to open a retail brokerage account.

Fidelity offers $0 trading commissions, a selection of more than 3,300 no-transaction-fee mutual funds and top-notch research tools and mobile platform.

If the interest rate on your debt is 6% or greater, you should generally pay down debt before investing additional dollars toward retirement.