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Make today's hard work pay off in the future with a comfortable retirement.

Planning for Retirement

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What are you working toward? Most likely, a comfortable and secure retirement would be the ultimate payoff for all of the time spent on the clock. Strategic planning will help you reach your goals, and you can start the process with guidance and education from Credit Union ONE. We're dedicated to helping our Michigan members get to where they want to be.

Individual Retirement Accounts (IRAs)
Do you have a picture of your retirement in mind? Credit Union ONE's Traditional IRA options can clarify your vision.
 
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Map out your future:

Start Planning for Retirement

It's never too early to start saving for your retirement. Even if you can only put away a small amount right now, anything is better than nothing. You can always increase your contributions as your income grows.​
 
  • If you have a retirement plan at work, take advantage of it to benefit from any matching contributions from your employer
  • Consider opening separate Individual Retirement Accounts for more investment options
  • Contribute funds steadily to grow your accounts


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Saving Enough for Retirement

Define your retirement vision so you can ensure you're saving enough leading into retirement with a portfolio that also adapts to your ongoing income needs.
 
  • Talk to a financial advisor to ensure your asset mix is aligned with your goals during retirement
  • Be mindful of your lifestyle choices in retirement to ensure your assets support them
  • Stay committed to a budget in retirement, just as you were during your full-time working days


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Living on Retirement Income

Make sure your retirement planning doesn't go to waste. Be smart about creating and maintaining a budget so your retirement income lasts.
 
  • Determine exactly how much income you will receive monthly through retirement accounts and other sources
  • Write out a budget that allows you to enjoy your free time draining your funds
  • Continue doing many of the things you did during your working years. This includes asking for a lower interest rate on your credit card, paying off bills in full to avoid interest charges and being smart about taking on too much debt.


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Start planning today.
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