Investment strategies: Guide for beginners - Empower
An investment strategy is a plan you create and principles you rely on to help you make investment decisions.
retirement calculator
Many people start by building toward retirement. You can use a <anchor>retirement calculator</anchor> to see how much you can or  may need to save for your golden years, and then begin slowly learning investing strategies to get to that point in the future. You might also consider how debt management and intelligent resource planning play a role in growing your assets for the future. Of course, everyone has to start somewhere. Learn more about investment strategies and types below.
Retirement Planner | Empower
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Professional asset management and rebalancing of employer-sponsored retirement accounts.

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Personalized investing and advice solutions to address your goals and unique needs.

Private client

Asset management and advanced planning for $1M+ in investable assets including private equity, tax-loss harvesting, tax efficiency, and more.

Socially responsible investing

Select portfolio options more aligned with your beliefs and causes you support.

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See how we allocate your investments and minimize risk to build your portfolio.

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Helping you reach your goals with saving, investments, and guidance solutions.

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Personalized investing and advice solutions to address your goals and unique needs.

Private client

Asset management and advanced planning for $1M+ in investable assets including private equity, tax-loss harvesting, tax efficiency, and more.

Socially responsible investing

Select portfolio options more aligned with your beliefs and causes you support.

Investment methodology

See how we allocate your investments and minimize risk to build your portfolio.

Personal Strategy

A globally diversified portfolio designed and managed specifically for you.

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Professional asset management and rebalancing of employer-sponsored retirement accounts.

Empower Personal Cash

A high-interest cash account with no account fees or minimums.

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Stay on top of your finances and investments with our secure, easy-to-use dashboard.

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Set goals based on your ideal retirement age and track your progress.

Net worth calculator

Track all your accounts in one place and get an up-to-date view of your net worth.

Budget planner

Plan, manage and track your spending and saving habits with one tool.

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Get a detailed view of your investment allocations, returns, and fees.

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Retirement Planner

# Let’s get you ready for retirement

#### The Retirement Planner can help put you on the right track toward retirement by letting you:

- Run different scenarios.
- Anticipate big expenses.
- Create a spending plan.
- Add income events.
- Simulate a recession.



#### Don’t leave your retirement to chance

Millions of people use the Retirement Planner to see if they're on track and learn what they can do to improve their chances of retirement success.

## Key features

Get deep insights into your retirement plan.

#### Run different scenarios

What if you retire earlier or save a little bit less? See how a new scenario stacks up to your current plan with a side-by-side comparison. You can even turn a new scenario into your actual plan.

#### Anticipate big expenses

Putting your kids through college? Buying a second home? Add these events to the Retirement Planner and see their impact on your retirement plan.

#### Add income events

You can easily include additional sources of income such as Social Security, rental income, pensions and windfalls.

#### Get a spending plan

How much will you be able to spend in retirement? Use this data-driven feature to find out just how much you’ll be able to afford each month.

## Get perspective

The Recession Simulator can show you how your retirement plan would have been impacted by a market event like the Dotcom crash or 2008 financial crisis.

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