Imle tes for a Retirement Portfolio

Simple Steps for a Retirement Portfolio

Simple Steps for a Retirement Portfolio

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Important Information

All investing involves risks including loss of principal.

All investing plans and rules are provided for informational purposes only, and should not be considered a recommendation of any security, strategy, or specific portfolio allocation. Investing plans and rules are provided for clients to better understand how they may build their own plan that may best fit their own personal investing style.

Past performance of a security does not guarantee future results or success.

Carefully consider the investment objectives, risks, charges, and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

ETFs can entail risks similar to direct stock ownership, including market, sector, or industry risks. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Trading prices may not reflect the net asset value of the underlying securities. Commission fees typically apply.

Mutual funds are subject to market, exchange rate, political, credit, interest rate, and prepayment risks, which vary depending on the type of mutual fund. Fund purchases may be subject to investment minimums, eligibility, and other restrictions, as well as charges and expenses. Certain money market funds may impose liquidity fees and redemption gates in certain circumstances.

Examples are provided for informational purposes only, and they may not take into consideration all transaction fees or taxes you would incur in an actual transaction. Past performance does not guarantee future results.

Asset allocation and diversification do not eliminate the risk of experiencing investment losses.

Maximum contribution limits in an IRA cannot be exceeded. Contribution limits provided are based on federal law as stated in the Internal Revenue Code. Applicable state law may be different.

TD Ameritrade does not provide legal or tax advice. Please consult your legal or tax advisor before contributing to your IRA.

TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ? 2019 TD Ameritrade.

Simple Steps for a Retirement Portfolio

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Simple Steps for a Retirement Portfolio

As you build your index fund portfolio, you can reference this summary of the steps outlined in the course.

Remember the five simple rules for investing.

Contribute early and often.

Invest according to your time horizion.

Minimize fees and taxes.

Focus on your long-term goals.

Diversify your portfolio.

Step 1: Set Your Goal

Use SMART criteria to define your financial goal.

Simple Steps for a Retirement Portfolio

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Choose account(s) appropriate for your goal.

You might keep your investments in multiple accounts, depending on your goals. If you're investing for retirement, consider contributing to tax-advantaged retirement accounts.

Simple Steps for a Retirement Portfolio

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Traditional and Roth IRAs/401(k)s Though both traditional and Roth retirement accounts offer potential tax benefits, each can offer tax benefits at a different stage in your life.

Traditional Account

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