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Developing Your Plan

Estimating your requirements

The first step in establishing your target is to estimate your retirement needs. These needs are different for everyone, so look at your current spending patterns. Then think about how you want to live in retirement. Your spending on travel, entertainment, clothing, vehicles, real estate, etc. will probably change. Also consider other factors like inflation, longer life spans, the cost of medical care and the current limits of social security. The objective of this exercise is to determine how your current cost of living will change during retirement. Jot down how much you think you'll spend, so you can apply it in our Retirement Planner.

Evaluating your retirement savings

After you've estimated your retirement costs and consumption levels, start a second list. What assets do you have to help you meet your retirement needs? You should consider existing employer-sponsored retirement plans like a 401(k) or 403(b), Individual Retirement Accounts (IRAs), pension plans and even nonretirement account investments that you will be able to use for retirement.

Putting it all together

Now that you've gathered information about how much you plan to spend - and how much you've already invested - you're ready to determine how close you are to your goal. Enter your information in our Retirement Planner. It will estimate how much you will have for retirement and how fast you will use it. If there is a shortfall, the planner will tell you how much to invest and what annual rate of return is required to make up the difference.

When you've completed your work in our planner, you're ready to examine your retirement solution.

Please consider the charges, risks, expenses and investment objectives carefully before investing. Please see a prospectus , or if available, a summary prospectus containing this and other information. Read it carefully before you invest or send money.

A IRA should be considered a long-term investment. IRAs generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. Maximum contributions are subject to eligibility requirements. Depending on your eligibility, you may not be able to contribute the maximum amount. For more detailed information about taxes, consult IRS Publication 590 or your tax adviser regarding your personal circumstance.

There is no assurance that the investment process will consistently lead to successful investing.

Janus Distributors LLC