More than Just Investing
TAKE FULL ADVANTAGE OF THE COMPANY MATCH.
Don't leave money on the table.
ESCALATE YOUR CONTRIBUTIONS.
You may be able to contribute more due to lifestyle and family transitions. As soon as you get a pay increase, increase your deferral. It is easier to save what you have never seen.
CONTRIBUTE IN THE PROPER "BUCKETS" NOW FOR TAX EFFICIENCY LATER.
Choosing post/after tax deferrals for a portion of your contributions does not reduce your tax liability now, but withdrawals can be tax free. It will be important in retirement to structure your withdrawals for tax efficiency. Having a large bucket of tax free assets may maximize your options.
REBALANCE YOUR ASSETS TO HELP AVOID TAKING UNINTENDED RISKS.
Rebalancing ensures you do not take too much or too little risk as the market changes.
SEEK PERSONALIZED GUIDANCE.
A professional can help you see how your assets, including those outside of your employer's plan, are working towards you retirement goals. "One Size Fits All" retirement planning probably does not fit you.
