Planning Ahead
Planning
Why Starting Early Pays Off
Retirement may feel far off, but your future begins with the choices you make today. Every contribution, every decision, every step adds up and the earlier you start, the more freedom you’ll create for yourself later.
Planning ahead isn’t about doing everything at once. It’s about taking manageable steps now so you can enjoy flexibility, confidence, and peace of mind in the years to come.
Smart Moves to Get Started
Open A Retirement Account
From a 401(k) to a Traditional or Roth IRA, the right account gives you tax advantages, employer matches, and room to grow your money.
Save Consistently
Even a small percentage of your income, set aside regularly, compounds into something powerful over time. The key is consistency.
Learn the Basics of Investing
Understanding how stocks, bonds, and diversification work gives you the tools to make smarter long-term choices.
Learn While You Grow
Calculators, guides, and webinars can show you exactly where you stand and what changes might help you get closer to your goals.
Explore Retirement Insights
The best retirement plans start with knowledge. Our Retirement Planning Center covers the essentials—how to save for retirement, how investing works, and strategies to make the most of your money.
Unlock the Power of Your 401(k)
Whether you’re starting out or stepping up your contributions, your 401(k) is one of the best tools for long-term savings. Learn how to take full advantage.
Turn Daily Habits Into Lasting Wealth
Financial freedom isn’t about luck—it’s about the choices you make every day. From saving automatically to spending with intention, small habits can lead to big results over time.
How to Make Your Savings Last
The 4% Rule is a simple, time-tested way to make your retirement savings last—while still enjoying the San Diego lifestyle you’ve planned for.
The Power of Compound Interest
Discover how your money can grow faster when your earnings generate earnings—and why starting early makes all the difference.
Take Your Next Step Today
Your retirement doesn’t start the day you stop working. It starts the moment you begin saving. Mission Fed makes it simple to open accounts, track your progress, and build habits that grow with you.
Disclosure
Note: IRS restrictions may apply.
Must meet membership and account criteria. Consult a tax professional regarding your individual tax situation. Mission Fed does not charge a fee for rollovers however, sending account custodian may charge a fee. Rates, terms, and conditions subject to change without notice.
This information is not intended as financial, tax or legal advice. Consult a qualified financial and/or tax advisor. This content should be used for informational purposes only. Mission Fed Credit Union disclaims any liability for decisions you make based on the information provided.