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Why save in the 401(k)? Can I afford to save? Do I need to know how to invest? What's next?

Nice work! Let's summarize the steps to consider.

You made it to the end of this path! You’ve learned that a 401(k) is a recommended way to save and that it pays to start saving as soon as you can. You also know that Cisco helps make investing easier.

Cisco is waiting to give you the match. All you have to do is enroll.

3 steps to consider.

  • Get the Cisco match.

    Choose an amount that allows you to get the full match. If you can, contribute more. Many financial experts recommend contributing 10-15% of your pay.

  • Commit to your future.

    Choose an initial amount you can afford today, but try to increase your contribution amount 1% more each year through the annual increase service. You may not even miss the extra money in your paycheck.

  • Invest what you save.

    For an age-based investment mix, consider a LifePath® Index Fund F.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

Target Date Funds are an asset mix of stocks, bonds, and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

Have a 401(k) from your old job?

Consider rolling it in to the Cisco 401(k). Your money still has the potential to grow tax deferred, as it did in your old plan, but it’s easier to manage when it’s all under one roof.

Want to dive deeper? Try these tools.

  • Take Home Pay Calculator

    See how your 401(k) contribution might affect your paycheck.

    Try it now

  • Roth Contribution Modeler

    View hypothetical scenarios showing some differences between Roth 401(k) and pretax contributions. From the 401k.com Library, click Calculators & Tools and scroll down to Roth Contribution Modeler.

    Try it now

  • Financial Wellbeing Pros

    Get help prioritizing your goals, managing your budget, and finding money to save.

    Try it now