Investing for Retirement

Simple steps to help investors reach their retirement goals.

Planning for retirement can sometimes feel overwhelming, but it's too important to put off. While each person's vision of retirement is unique, there are some best practices that can help you reach your retirement investments goals.

Start early
globeOne of the best things you can do for your retirement is to start investing early. That’s because the sooner you begin, the longer your money has to grow. Even small contributions can grow into substantial amounts over time, thanks to the power of compounding.

Diversify your investments
globeWhen building your portfolio consider spreading your investments across different asset classes (i.e., stocks, bonds, cash) and different investment types within asset classes. Each of these investments has a different level of risk and potential return and may react differently to changing market conditions. Diversification doesn’t guarantee against loss but it may lead to more attractive returns and less overall volatility.

Keep a long-term perspective
globeThe financial markets move up and down – sometimes by a lot. It can be tempting to react to these fluctuations by changing your investment plan in terms of how much and where you invest. But, no one can consistently predict what the markets will do next and guessing wrong can dramatically impact your overall result.

Maximize your employer-sponsored retirement plan
globeAn employer-sponsored plan may offer several important advantages, including automatic payroll deductions and pre-tax contributions. Some employers also offer matching contributions, which increases the amount you save each month and amplifies the effect of compounding.

Consider a target date fund
globeSome employer-sponsored plans include target date funds. These funds are a convenient way to hold a mix of stocks, bonds and cash that is managed for your desired retirement date. Be sure to research the current and projected risk exposure of the investment in choosing a target date fund.

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Bonds for Income

Bonds can offer attractive growth at an acceptable level of risk.


Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. This and other information are contained in the fund’s prospectus and summary prospectus, if available, which may be obtained by contacting your investment professional or PIMCO representative or by visiting Please read them carefully before you invest or send money.

A Word About Risk: Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, inflation risk, and liquidity risk. The value of most bonds and bond strategies are impacted by changes in interest rates. Bonds and bond strategies with longer durations tend to be more sensitive and volatile than those with shorter durations; bond prices generally fall as interest rates rise, and the current low interest rate environment increases this risk. Current reductions in bond counterparty capacity may contribute to decreased market liquidity and increased price volatility. Bond investments may be worth more or less than the original cost when redeemed. Equities may decline in value due to both real and perceived general market, economic, and industry conditions.

This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission.