Investing and retirement
- Why starting early mattersCompounding means your returns earn returns, so years invested matter more than the amount you start with.
- 401(k), 403(b) and IRAsContribute at least enough to get the full employer match. It's part of your pay, and skipping it leaves money behind.
- Index funds and feesAn index fund matches the market instead of trying to beat it. Compare expense ratios, because small fees compound.
- Investment fraud red flags"High returns, little or no risk" is the biggest red flag. Walk away from rushed deals and check the seller free on Investor.gov.