Retirement

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Retirement

What happens during your retirement?

Manage your financial life, all in one place, at kunoch.com and in the Kunoch Mobile® App

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Retirement Checklist

Before you start planning.

A great goal is to save at least 15% of your income every year, which can include employer-matching dollars. If 15% seems out of reach, then consider contributing at least enough to receive your full employer match.

Let you automatically contribute from your paycheck, and many employers match a certain percentage of your contributions

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Retirement

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If you’re earning a taxable income, then a tax-advantaged Individual Retirement Account (IRA) can allow you to get your retirement savings underway. You typically can open an IRA alongside your workplace retirement plan to potentially give your savings a boost.

W are alway avalible

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Consider traditional vs. Roth

You may be able to keep your savings in your previous employer’s plan, roll it over to your new employer’s plan, or roll it into an IRA.

You may also choose to consolidate all your traditional IRAs into one traditional IRA, or all your Roth IRAs into one Roth IRA. This may help you to track and plan your investments more easily.

Compare the pros and cons: consider which investments are available within each account, what fees you may have to pay, and whether other factors apply, like the ability to borrow money from your 401(k).