Recommended Retirement Products
Based on your profile and retirement goals, here are products that could help you achieve financial security.
Important Disclosure
The following product recommendations are for informational purposes only. They are not financial advice. Please consult with a qualified financial advisor before making investment decisions.
High-Yield Savings
Savings
A savings account offering a competitive annual percentage yield (APY) with easy access to your funds.
Key Features
- No minimum balance requirement
- FDIC insured
- Mobile banking access
Ideal For
Building emergency funds and short-term savings goals.
Money Market Account
Savings
Higher interest rates than standard savings with limited check-writing privileges.
Key Features
- Higher rates for larger balances
- Limited check writing
- FDIC insured
Ideal For
Those seeking a blend of moderate returns and easy access to funds.
12-Month CD
Investment
Time-deposit account with fixed term and rate.
Key Features
- Guaranteed returns
- FDIC insured
- Higher rates than savings
Ideal For
Savers who can set aside funds for a fixed period.
Roth IRA
Retirement
Tax-advantaged retirement account with after-tax contributions and tax-free qualified withdrawals.
Key Features
- Tax-free growth
- Flexible investment options
- No required minimum distributions
Ideal For
Long-term retirement savings with tax-free withdrawals in retirement.
Index Funds
Investment
Low-cost funds that track market indexes like the S&P 500.
Key Features
- Low expense ratios
- Broad diversification
- Passive management
Ideal For
Building long-term wealth with minimal fees and complexity.
Target Date Fund
Retirement
Automatically adjusts asset allocation to become more conservative as you approach retirement.
Key Features
- Automatic rebalancing
- Diversified portfolio
- Age-appropriate risk
Ideal For
Set-it-and-forget-it retirement investing.
Health Savings Account
Healthcare
Triple tax-advantaged account for healthcare expenses.
Key Features
- Tax-deductible contributions
- Tax-free growth
- Tax-free withdrawals for medical expenses
Ideal For
Managing healthcare costs now and during retirement.
Fixed Annuity
Income
Insurance product that provides guaranteed income in retirement.
Key Features
- Guaranteed income
- Principal protection
- Tax-deferred growth
Ideal For
Retirees seeking predictable income streams.