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Everyone tells you to plan for the future, but where do I start? Watch this short video to find out how easy it is to start investing in yourself… today.


Take your first step: Log in to the ADP TotalSource Retirement Savings Plan!


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Should I start saving now?


The short answer is yes. Time is your ally early in your career. Saving for retirement may be far from your mind right now, but it's essential to ensuring you have enough money to retire comfortably. Due to compound interest, saving earlier in your career is far more valuable than saving later.

Do you want some help?


Did you know that working with a professional early on can help you reach short-term financial goals and set you on the path to financial wellness in the longer-term? Figuring out which funds to invest in, how much to save and how much money you'll need in retirement is no easy task. Through the ADP TotalSource Retirement Savings Plan, you have access to investment advisory services through Voya Retirement Advisors (VRA), powered by Edelman Financial Engines.1


Online advice – web-based service lets you get personalized retirement income forecasts*, risk assessments, specific savings and fund recommendations at no additional cost.


Professional management – members receive a personalized retirement savings and investment strategy, as well as ongoing monitoring and management of their account by a VRA professional. Delivery of this service does require a monthly fee.


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*IMPORTANT: Forecasts, projected outcomes or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. In addition, results may vary each time a forecast is generated for you.

While it’s never too late to start saving, just look at how much more you could have by starting early and saving $200 a month.


If you start saving $200 a month for:

40 Years
$399,710 The difference in total savings: + $307,089
30 Years
$201,485 The difference in total savings: + $108,864
20 Years
$96,621
Potential savings

How did we come up with these numbers?

They’re based on you saving $200 a month with a consistent 6% rate of return compounded monthly after applicable fees, charges and expenses. This example is for illustrative purposes only, is not indicative of any investment, and is not intended to constitute specific tax or investment advice. Your results will vary. You should consult your tax advisor or attorney for tax-based decisions. Note that regular investing does not ensure a profit or guarantee against a loss, and you should consider your willingness to stay invested in up as well as down markets.

How much could I save?


Saving is as easy as paying for a cup of coffee per day. Start by using the calculator below to determine how little everyday changes can mean significant savings for your future.



Savings:
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The information generated by the calculator is hypothetical in nature, does not reflect actual investment results, and is no guarantee of future results. No specific investment product is reflected and no fees, charges or taxes have been taken into account. This information is not intended to be financial advice. Please consult a financial professional regarding your specific circumstances.