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Retirement savings made easy

Saving for retirement might be the most important thing you ever do with your money. And the earlier you begin, the less money it will take!

Don't know where to start? You've come to the right place

You probably have a lot of questions about saving for retirement. How much will I need? What year will I retire? What are the best ways to save for retirement?

The good news is that you don't need to figure everything out right now. The most important thing to do is to get started. Here are 3 simple steps you should take today:

  1. Find the right kind of account for your savings.
  2. Choose the investments for your account.
  3. Open your account online.

Got questions?

We've got answers! Here are some of the most common things people ask us about retirement savings.

Why should I save for retirement?


When it comes to preparing for retirement, there are a lot of things you can't control—the future of Social Security, tax rates, and inflation, for example. But one big thing that you can control is the amount you save.

When's the best time to start saving for retirement?


The earlier you start saving for retirement, the less you'll need to put away each year. That's why the best time is now.

How should I balance my retirement savings with my other goals?


Saving for retirement should have first priority among your financial goals. Find out the order in which you should approach other goals.

How much am I going to need?


That depends on many things, including your lifestyle, your retirement age, and your other sources of retirement income. But for most people, it will probably be a pretty big number—and that's why starting early is so important.

What type of account should I use for my retirement savings?


Many people have access to workplace plans (401(k)s, for example) as well as IRAs and general savings accounts. We can help you figure out how to use these accounts to get the most benefit.

How much do I need to know about investing to manage my savings?


It's good to have some basic investing knowledge. And we can teach you the few important things you need to understand. They're not hard to learn, and they'll help you save for any goal.

Learn more about retirement accounts at Vanguard

We offer several types of accounts you can use to save for retirement. Figure out which one is right for you.

Open a retirement account

We're here to help

Talk with one of our investment specialists.

Call 888-387-5539

Monday to Friday
8 a.m. to 10 p.m., Eastern time

Use our handy tools

You're putting money away for your future, but how do you know if it will be enough?

Roll over your retirement money

Did you leave retirement savings behind at an old job? Get more flexibility and easier money management.

Open a Vanguard IRA®

Find out how an IRA can help you start saving—and get tax benefits—today!


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IRA (individual retirement account)

A type of account created by the IRS that offers tax benefits when you use it to save for retirement.