| Since the introduction of 401(k) plans, the responsibility for preparing for retirement has been shifting from employers to employees. As a result, you need all of the tools at your disposal to help analyze (1) how much to contribute, (2) whether it should be on a pre-tax (traditional 401(k)) or an after-tax (Roth 401(k)) basis, (3) how best to invest your contributions in a way that is consistent with your objectives and risk tolerance and (4) whether or not you will have sufficient income from your assets to pay for your retirement.
The tools listed in the next sections are designed to help you think through those questions. We recommend that you review your plan at least annually in order to stay on track for your retirement objectives.
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