IN YOUR 20S - START THINKING AHEAD

In your 20s, retirement seems a long way down the road. But this is the best time to get in the habit of saving and investing. A little bit put aside today could potentially become a lot over the years. Lifetime Retirement Planning with Wachovia can help you get more out of the possibilities your life offers today, and is intended to help make your retirement all you want it to be when you get there.

Start Now

Your 20s are the best time to get yourself in the habit of saving and investing. This is important for your current financial needs and your future.

Accumulate cash - try saving 10% of your income with an automatic savings plan-out of sight, out of mind.

Build an emergency fund - a cushion equal to at least three months of income.

Contribute to your employer's retirement plan - such as a 401(k), which may provide matching funds from your employer-free money you don't want to pass up.

Tool: 401(k) Contribution Calculator

Plan for job change - if you change jobs, be sure to consider rolling your employer's retirement plan to an IRA.

Manage debt wisely - debt is part of our everyday lives-make sure your credit keeps up with your changing needs.

Open an IRA - investment earnings that are tax-deferred until you withdraw them and your contributions might be tax-deductible.¹

Develop a Plan

One of the keys to investing for retirement is developing a plan that makes sense for you. Wachovia's Free Retirement Consultation can help you see if you're on track or if there is a potential gap in meeting your retirement needs. When you've completed your Retirement Consultation, you'll receive a personalized report that includes suggestions to help with both your daily money management and planning for the future.

Talk to Wachovia

At Wachovia, we offer access to cash management, saving, investing, borrowing, and insurance strategies you need to help build a realistic, well-integrated plan that is designed to evolve as your finances do. Ask us how Lifetime Retirement Planning with Wachovia can help guide you along your chosen path, wherever you are in your life.

For a Free Retirement Consultation, contact a Wachovia Financial Center to schedule an appointment with one of our Financial Specialists² or call the Retirement Resource Center at (866) 588-9606, Monday through Friday, 8:00am to 8:00pm ET.

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¹ Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½. Qualified Roth IRA distributions are not subject to state and local taxation in most states.

² Licensed Financial Specialists (LFS) are registered with Wachovia Securities. These associates are Wachovia Bank, N.A. employees and are not employed by Wachovia Securities. Investment products and services are offered through the Investment Services Group of Wachovia Securities.

Wachovia and Wachovia Securities are not legal or tax advisors. Be sure to consult with your own tax or legal advisors before taking any action that may have tax consequences.

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.