Retirement savings by age 30-35

In your 30s you must have more or less settled in your job and will be seeing your income growing. Also this is the time when most people usually start a family so Your savings and investments will be determined by these factors too.

Since you have important expenses now for your family, home, and car, its very important to have an emergency fund for unforeseen circumstances. Ideally, this should be about the same as the amount of your annual salary.

You should continue to contribute to the 401(k) plan contributions offered by your employer up to the maximum matching to your company if possible.
Mutual funds are still a good option as you have age on your side and can take market related risks if you have the money for the long term.

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