Retirement: not actually a zillion years away.
Planning for your future. Yikes! With everything that’s going on now, it’s probably the next-to-last thing on your mind (right before “the pros and cons of wearing suspenders”). But here’s the cool part: at this early stage of life, small choices now can make a big difference later.
Luckily, Delta Community Retirement & Investment Services is here to act as your consultant to help you figure out what’s next. Our advice? If you’re in your teens, twenties, or early thirties, focus on these goals first:
Spend less than you make. Stay out of debt and build your emergency fund for a rainy day.
Enroll in employer-sponsored benefits if you can.
Contribute to a 401(k) or IRA.
Plan ahead! Live healthy and choose your career carefully.
So what about all that “playing the stock market” stuff most banks talk about? Well, unless you just inherited a bunch of money from Old Aunt Ethel, it may be a while before you’re ready to tackle the investment market.
Then again, if you’ve built up your emergency fund and you’ve got $10,000 or more in your sock drawer, it's time to dive into the market. And yeah, we can help. Click here to learn more.
Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Delta Community Credit Union deposits and are not NCUA insured. These products are not obligations of Delta Community Credit Union and are not endorsed, recommended or guaranteed by Delta Community Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Delta Community Credit Union and Delta Community Retirement & Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.