Social Security

Social Security is a source of guaranteed retirement income for most retired people in the United States who have paid into the system. Understanding the program and how much your benefit may be can help you plan for additional savings you may want to have, and your retirement budget, too.

Social Security basics

A man and woman happily talking in a kitchen

7 min read

What’s the best age for me to take Social Security?

How do you decide the right time for you to begin taking Social Security? It’s complicated, but these insights can help you understand what’s best for you.

Older couple sitting on park bench discussing retirement benefits through Social Security.

5 min read

Who is eligible for Social Security and spousal, and survivorship benefits?

A range of people, including current and former spouses and dependent children, may be eligible for Social Security benefits.

Young man and woman working together at a table to create a retirement plan.

3 min read

What will Social Security look like when you retire?

Planning for retirement includes lots of considerations, including how Social Security may change over time.

Retirement

7 min read

Private market investments in DC plans: operational considerations for fiduciaries

Explore how private market investment options might be implemented in defined contribution plans, focusing on investment operational design, governance, and participant experience. The article outlines key considerations to help fiduciaries evaluate fit within a prudent, process-driven framework.

4 min read

Should you use your retirement savings to pay down (or off) debt?

There are alternatives to using retirement savings for debt repayment that help protect your budget and your financial progress.

Person wearing a green shirt stands in a warehouse with stacked boxes and coiled orange hoses in the background

6 min read

The future of plan design is personal: Moving beyond the 80% rule

Traditional retirement benchmarks often don’t reflect employees’ different needs and priorities as they approach retirement. This article explores how individual-targeted outcomes can personalize retirement goals and how a managed account service may help support progress toward them.

Investing

6 min read

Investing for retirement: What’s the best asset allocation model for you?

Asset allocation serves as a useful retirement planning tool to help you manage market uncertainty, build resilience in your investments, and respond to changing financial goals.

5 min read

Asset allocation: What it is and how you can create yours

Asset allocation helps to balance your investment choices to help you meet your goals and time horizon, as well as align with your risk tolerance.

6 min read

Bear markets: What they are and considerations for your investments

A bear market, characterized by a 20% drop in market values, offers an opportunity to evaluate your finances and investing—not make short-term, emotional changes.