Planning for Retirement

Many workers don't realize how important it is to get an early start on saving for retirement. This Department of Labor Employee Benefits Security Administration video provides information for workers about the importance of saving for retirement and how to get started. The video also has links to additional online tools to help workers take full advantage of their employer-sponsored benefits. The video is also available in Spanish.

Money Smart for Older Adults (MSOA) is stand-alone instructor-led training module developed by Federal Deposit Insurance Corporation (FDIC) and the Consumer Financial Protection Bureau (CFPB) which provides awareness among older adults and caregivers on how to prevent elder financial exploitation and to encourage advance planning and informed financial decision-making.

In consultation with the U.S. Department of the Treasury and President Bush's Advisory Council on Financial Literacy, the FINRA Investor Education Foundation commissioned the first national study of the financial capability of American adults in 2009. The overarching research objectives of the National Financial Capability Study were to benchmark key indicators of financial capability and evaluate how these indicators vary with underlying demographic, behavioral, attitudinal and financial literacy characteristics. The 2012 Study—similarly developed in consultation with the U.S.

"my Social Security," is a new online service that provides individuals quick access to their personal Social Security information. The site enables working individuals to obtain their earnings record and see estimates of future retirement, disability, and survivor benefits. It also enables people, who already receive Social Security benefits to get a benefit verification letter, check benefit payment information, change their address or phone number, and start or change direct deposit information online. Check it out!

The practice of spreading money among different investments to reduce risk is known as diversification. By picking the right group of investments, you may be able to limit your losses and reduce the fluctuations of investment returns without sacrificing too much potential gain. To learn more about this investment strategy, read the SEC’s online materials on diversification.

Traditional economic theory posits that people make decisions by maximizing a utility function in which all of the relevant constraints and preferences are included and weighed appropriately. Behavioral economists and decision-making researchers, however, are interested in how people make decisions in the face of incomplete information, limited cognitive resources, and decision biases.

Provides information to help you avoid fraud, manipulation, and abusive trading practices.

Provides information to help you recognize disaster-related trading fraud.

Provides information to help you recognize foreign currency trading fraud.

Provides information to help you recognize foreign currency trading fraud.