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SAVING & INVESTING


 

Fidelity recommends saving at least 15% of your pre-tax income each year toward retirement—and you may have other shorter-term goals you’re saving for as well. It’s important not only to save, but to invest some of your savings in ways that can help your money grow over time. Learn more about saving strategies—and how to invest what you save.

 

SAVING

Being a strong saver can make a big difference down the road. Wherever you are in your journey, there are savings strategies to help you work toward your goals.

 

Savings Principles

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Start Now

It’s never too late to start saving—but we suggest starting as early as possible.

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Have a Savings Plan

Set goals for your savings to stay focused and make steady progress.

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Small Increases Can Make a Big Difference

Consider saving at least 15% of pre-tax income each year for retirement. If you can add even 1% more to your contributions, it can make a big difference over time.

More Savings Resources

Power of Small Amounts

Use Fidelity’s quick interactive to see how small contribution increases can add up over time.

Money milestones to aim for in your 30s, 40s, and 50s

Learn major money milestones along the way.

 

Steps to Savings

Read an article about eight steps to take to hit your savings goals.

 

The 52-week money challenge

A guide to saving throughout the year.

VIDEO:

Preparing and getting started with Saving for a Goal.

 

Map your money goals

Defining your money goals can bring you closer to making them real.

 

INVESTING

Investing can make your money work for you through potential growth and compounding over time. Explore resources below to learn more about the power of investing.

LLNS offers eligible employees the opportunity to contribute to a tax-deferred 401(k) Plan, which can help you save more for your retirement. If you’re contributing to your 401(k) Plan, great! Do you know how much you’re contributing from each paycheck—and have you considered whether you could increase that amount? Contributing even 1% more can make a big difference over time.

Unlike a savings account, there's risk involved in investing your money. There's always a chance that the market could go down and you could lose money.

 

Investing Principles

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Benefit of Compounding

Compound growth is when returns you earn in an investment account earn returns of their own. Money invested in the stock market can benefit from compounding.

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Have a Plan

Create an investment plan tailored to your goals, timeframe and risk tolerance. A financial advisor may be helpful in creating your plan.

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Diversify

Diversify your investments to help manage risk. Having an appropriate investment mix may help you weather the ups and downs of the market.


Diversification does not ensure a profit or guarantee against loss.

More Investing Resources

The power of continuous contributions and compounding

Learn how powerful the snowball effect of compounding can be.

Video: What’s Diversification?


Watch a video about the importance of diversifying your investments.

 

How is your portfolio doing?


A step-by-step guide to evaluating your investments.

 

VIDEO:

Learn how to Make the Most of Your Retirement Savings to help you achieve your goals in retirement!

VIDEO:

Learn some of the Biggest Investing Pitfalls to Avoid.

 

Investing with confidence

A well-designed plan can help you handle uncertainty. Learn more.

 

Preparing for Major Life Events

Life is full of milestones and major events—some wonderful and some challenging. Here are additional resources to help you navigate life’s big events.

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Saving for an emergency

There’s a lot that can happen in life that can upset our plans, so it makes sense to prepare for the unexpected. Review some of these resources to learn how and why to build an emergency savings reserve:

Saving for a Major Goal

Cars, home renovations, and sending kids to college: Here's how to plan for these big commitments.

Becoming an Empty Nester

The kids are finally gone. Learn how to make the most of this new stage of life with pointers on estate planning, retirement savings, and the emotional adjustment.

Caring for Aging Loved Ones

Help with supporting and making decisions for your aging loved ones.

Changing Jobs or Becoming Self-Employed

A change in your employment situation can come in many varieties, like a promotion, a new job or role, or an unexpected separation.

Losing a Job

Experiencing job loss can be difficult and stressful. Here’s some steps on how to navigate this new situation.

Experiencing illness or injury

Understand how to handle the logistics and the emotions that come with illness and injury. From insurance and work benefits to budgeting and medical bills to making informed decisions, we’re here to help.

Investing involves risk, including risk of loss. 
This website provides only a summary of the main features of the plans, and the plan documents will govern in the event of any discrepancies. 
The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated. This information is intended to be educational and is not tailored to the investment needs of any specific investor. 
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 
©2025 FMR LLC. All rights reserved. 
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