{"id":40242,"date":"2025-08-19T13:34:13","date_gmt":"2025-08-19T18:34:13","guid":{"rendered":"https:\/\/www.tamus.edu\/benefits\/?p=40242"},"modified":"2025-08-24T22:53:08","modified_gmt":"2025-08-25T03:53:08","slug":"saving-for-retirement","status":"publish","type":"post","link":"https:\/\/www.tamus.edu\/benefits\/saving-for-retirement\/","title":{"rendered":"Saving for retirement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"40242\" class=\"elementor elementor-40242\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34a6ff0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34a6ff0e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bfa4a3b\" data-id=\"7bfa4a3b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78de0a8a elementor-widget elementor-widget-text-editor\" data-id=\"78de0a8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-751ccb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"751ccb3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f29c2d\" data-id=\"5f29c2d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e442e6d elementor-widget elementor-widget-text-editor\" data-id=\"e442e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>How much do I need to save for retirement?<br \/><\/strong>The most important factor in determining how much you need to retire is whether you&#8217;ll have enough money to create the income you need to support your desired quality of life after you retire.<\/p>\n<p><strong>The $16,000 Cup of Coffee<\/strong><br \/>By saving just a few extra dollars every week, you could significantly increase your retirement savings. Saving just $4 weekly, or the cost of a cup of gourmet coffee over the course of 25 years can boost your retirement savings by $16,608. Saving these few extra dollars is easy when you think of it in these terms.<\/p>\n<p><strong>Important steps to remember<br \/><\/strong><\/p>\n<ul>\n<li>Contribute what you can and increase it over time<\/li>\n<li>Choose investments that align with your goals.<\/li>\n<li>Make a plan and stick with it.<\/li>\n<\/ul>\n<p><strong>The Pentegra 403(b) Advantage<br \/><br \/>Save for Retirement &#8211; Tax Deferred<br \/><\/strong>Pentegra offers employees of Texas A&amp;M University the opportunity to save for retirement, tax deferred. Enjoy the ease of a single, flexible solution for personalized retirement investing with the confidence that comes with unlimited, unbiased fund options and objective advice.\u00a0<\/p>\n<ul>\n<li>Choice of Advisor &#8211; Pentegra partners with local, independent, registered investment advisors.<\/li>\n<li>Ultimate Fund Flexibility &#8211; Our platform provides access to over 30,000 mutual funds.<\/li>\n<li>Cost &#8211; No hidden charges, surrender fees or penalties.<\/li>\n<\/ul>\n<p>View the <a href=\"https:\/\/assets.system.tamus.edu\/files\/benefits\/website\/PentegraArticle.pdf\">Pentegra flier<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How much do I need to save for retirement?The most important factor in determining how much you need to retire is whether you&#8217;ll have enough money to create the income you need to support your desired quality of life after you retire. The $16,000 Cup of CoffeeBy saving just a few extra dollars every week,&#8230;<\/p>\n","protected":false},"author":1971,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[70],"tags":[],"class_list":["post-40242","post","type-post","status-publish","format-standard","hentry","category-financial-wellness"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saving for retirement - Benefits<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tamus.edu\/benefits\/saving-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Saving for retirement - Benefits\" \/>\n<meta property=\"og:description\" content=\"How much do I need to save for retirement?The most important factor in determining how much you need to retire is whether you&#8217;ll have enough money to create the income you need to support your desired quality of life after you retire. 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