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Make smart choices and save now to meet your retirement savings goals.

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Now is the perfect time to begin saving for the future

Whether retirement seems ages away, beginner steps, or it's time to concentrate on the planning stages of retirement - you'll find the information and tools here to determine where you should be toward reaching your retirement goals.

Interactive Tools

Fact or Fiction

Take the RetireSmart Challenge and test your knowledge about your planning for the future.

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Small Change

Everyone knows that they need to save for retirement but no one wants to make huge sacrifices. Use this tool to find out how cutting back on life's little luxuries can have a big impact on your retirement savings.

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Cost of Waiting

Getting an early start on saving for retirement is a smart strategy, but so many of us wait or simply don't save enough. Find out how much waiting to join the plan or delaying enrollment altogether could impact your future.

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Articles

New research finds retirees are overall very satisfied with life after their working years. Learn more

Price of Procrastination

Am I Too Young to Plan for the Future?

New Economic Realities for Today's Young Couples

Developing a Financial Budget

10 Steps to Conquer Debt

Ready to Retire, Now What?

Money Management throughout Lifestages

What Was Your First 401(k) "Moment"?

What Your Children Should Know About Your Financial Affairs

From Empty Nest to Full House: Tips for Parents Who Have an Adult Child at Home

10 Ways to Stretch your Money

Financial Strategies and Divorce - A House Divided?

5 Stress-Reducing Tips for Busy Moms

The ABC's of Estate Planning

Strategies for when Retirement is Right Around the Corner

Assessing the Needs of an Aging Parent

Improving your odds: Do healthy habits help?

Financial Consideration for Millenials

Keeping you and your wallet healthy: five tips to save on life insurance

Five Steps for Creating a Financially Healthy Young Family

Developing Healthy Habits for kids

Women and Personal Finance: Taking Charge

Teach Your Kids about Finances

529 Plans: Funding Higher Education

Building Retirement Confidence
Divorce and Finances: Ways to Protect Your Assets Borrowing from Your 401(k)
Pre-Retirement Checklist Paying for College: Finding Ways to Afford Higher Education
Helping Parents with Estate Planning Section 529 Plans
Where Will You Retire? Affording Today's Children
Should I Buy or Rent? Women & Investing: Changing Times for Female Savers

Seminars

The Art of Negotiating a Deal

Find out specific ideas on how to negotiate better deals for small to large purchases, everyday expenses, and how to ask for a pay raise.

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Journey to Retirement: Enjoy the Ride AND the Destination

Learn the top components of retirement planning success, the pros and cons of managing your own investments, and review costs and income through retirement.

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Retirement Planning for the Ages

This online video seminar reviews financial planning strategies for various age groups..

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RetireSmart Seminar Series

MassMutual’s RetireSmart Program is all about helping you make smarter retirement decisions. Presented as a series of online seminars, industry professionals are here to help you better understand and plan for your retirement. View upcoming and previously recorded events.

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Videos

Smart View Season 2 Episode #1: Meeting your match

Not contributing enough to maximize your retirement plan match?  You’re not alone.  Find out how much you may be missing out.

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How to Invest

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides five considerations when developing your investment strategy.

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Smart View Season 2 Episode #2: Ready to retire

As you get closer to retirement age, there are lots of things to consider about your overall retirement strategy.  Here are just a few. Learn More >

Why Asset Allocation Matters

Best-selling author and Gen Y money coach, Farnoosh Torabi, breaks down the components of a successful asset allocation.

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Smart View Season 2 Episode #3: Roth vs. traditional 401(k) options

Have you ever wondered what are the differences between Roth and traditional retirement plan options? This episode puts them both in the spotlight. Learn More >

Asset Allocations by Age

Best-selling author and Gen Y money coach, Farnoosh Torabi, discusses allocation strategies by various age groups.

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Smart View Season 2 Episode #4: Don’t wait to save

In this episode our hosts discuss the benefits of saving for retirement now instead of waiting. Learn More >

How is Inflation Calculated?

Best-selling author and Gen Y money coach, Farnoosh Torabi, demystifies the concept of inflation.

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Smart View Season 2 Episode #5: Conquering debt

Are you juggling various types of debt? You are not alone. Tune in for some specific strategies to help you get your finances under control. Learn More >

Differences Between S&P and DJIA Indexes

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides insight on popular investment indexes.

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Smart View Season 2 Episode #6: Saving for college

A college education is one of life’s greatest accomplishments and largest investments.  Affording it may not always be easy.  Tune in for some ideas to help achieve this goal. Learn More >

Why Stay Invested in Bonds?

Best-selling author and Gen Y money coach, Farnoosh Torabi, answers a common question on why diversification matters.

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Smart View - Season 2 Episode #7: Getting a late start

If you are getting a late start on saving for retirement, now is the best time to understand your options. Tune in for some helpful suggestions. Learn More >

How Often Should I Review Investments?

Best-selling author and Gen Y money coach, Farnoosh Torabi, shares a few triggers to prompt an investment review.

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Smart View - Season 2 Episode #8: Protecting your income

In this episode our hosts discuss strategies to protecting your income in the event that you become disabled for an extended period of time. Learn More >

Saving on a Limited Income

Best-selling author and Gen Y money coach, Farnoosh Torabi, offers tips on finding savings without making big sacrifices.

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Smart View - Season 2 Episode #9: Saving on a limited income

This episode focuses on helping you find saving opportunities without making huge sacrifices. Learn More >

How Much Should I Save?

Best-selling author and Gen Y money coach, Farnoosh Torabi, tells us what it takes to accumulate $1 million.

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Smart View - Season 2 Episode #10: Next generation of saving.

Find out how to encourage youthful saving behaviors and why it’s important to get an early start on saving for retirement.

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How Do I Find a Financial Advisor?

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides guidelines on getting professional help with your finances.

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Smart View - Season 2 Episode #11: Misconceptions about disability income insurance

What happens if you are too sick or hurt to work for a period of time?  How will you pay your bills?

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More Information About Plan Investments

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides a list of resources to help you get answers about your retirement plan.

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Smart View Season 2 Episode #12: Time for a financial professional

At some point everyone could benefit from working with a financial professional.  Find out how an advisor can help you achieve your goals.  Learn More >

Will Social Security be an Option?

Best-selling author and Gen Y money coach, Farnoosh Torabi, discusses the future role and solvency of Social Security.

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Smart View Season 2 Episode #13: Season Two Bloopers

Check out the behind the scenes antics from the cast of Season Two. This episode features funny outtakes, crack-ups, and on-camera flubs. Learn More >

We're with you all the way.

Learn more about our passion for helping participants meet their retirement goals through the MassMutual video scrapbook..

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Check Your Plan.

Now is the time to make a plan and watch this video to learn more. Learn More >

Planning for the Ages: How Much to Invest

Best-selling author and Gen Y money coach, Farnoosh Torabi, addresses a common question about saving for retirement. She shares how much you should be saving at various ages.

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Considerations for Retirement Investing

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides insight on investing for retirement.

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Understanding Market Volatility

Best-selling author and Gen Y money coach, Farnoosh Torabi, offers suggestions on how to deal with the ups and downs of the stock market.

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Real Retirement Expectations

Best-selling author and Gen Y money coach, Farnoosh Torabi, discusses two things we should prepare for now to help us retire on track later.

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Must Do Calculations

Best-selling author and Gen Y money coach, Farnoosh Torabi, shares three simple but important calculations to help you plan for retirement.

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Saving Opportunities: Reign in Expenses

Best-selling author and Gen Y money coach, Farnoosh Torabi, provides a tip on how to find savings with everday expenses.

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Saving Opportunities: Little Expenses

Best-selling author and Gen Y money coach, Farnoosh Torabi, shares an example of how little expenses have potential to add up to real savings.

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Pre-Retirement Strategies

Best-selling author and Gen Y money coach, Farnoosh Torabi, offers suggestions on things you can do to be retirement ready.

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Plan Accordingly

No matter what stage of life you are in, you'll find a wealth of education using the tools here to help you make informed saving and spending decisions.

Calculators

Roth IRA Calculator

See how creating a Roth IRA can make a big difference in your retirement savings.

College Savings

Develop or fine-tune your education savings plan.

Retirement Contribution Effects On Your Paycheck

See how increasing your contributions to a 401(k), 403(b) or 457 plan can affect your paycheck, as well as your retirement savings.

Roth Conversions

See if a conversion might be a good option for you.

Retirement Goal Planner

Use this calculator to help you create your retirement plan.

72(t) Calculator

Determine your allowable 72(t) Distribution and how it can help fund your early retirement.

Social Security Benefits

Estimate what your Social Security benefits might be.

Taxable vs Tax Advantaged Investments

Compare a normal taxable investment and an investment where taxes are deferred until withdrawals are made.

Retirement Shortfall

Determine what your projected shortfall or surplus at retirement might be and see just how long your current retirement savings may last.

Lifetime Economic Value Calculator

Protecting the financial security of your loved ones with life insurance is a caring and responsible act. Use this tool to get an estimate of your lifetime economic value to your dependents.

Retirement (After-Tax) Account or Pre-Tax Account?

Determine which type of account may be the best option for your retirement.

Roth vs Traditional IRA

Compare the two alternatives with equal out-of-pocket costs to estimate the change in total net-worth, at retirement, if you convert your Traditional IRA into a Roth IRA.

Retirement Savings

Determine how much monthly income your retirement savings may provide you in retirement.

How Important is Social Security?

Determine how losing this important retirement asset could affect you.

Do you want to stay in the know?

MassMutual’s RetireSmart Program is all about helping you make smarter retirement decisions. Presented as a series of online seminars, industry professionals are here to help you better understand and plan for your retirement. View upcoming and previously recorded events.

Smart View -- Season 2 Episode #13: Bloopers

Check out the behind the scenes antics from the cast of Season Two. This episode features funny outtakes, crack-ups, and on-camera flubs.

Watch All Videos >

RetireSmart Events, Happenings, and Reminders

Find out what MassMutual has in store for you this month!  This at-a-glance calendar has everything from expert tips and educational webinar information, to important retirement-related reminders.

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RetireSmart Seminar Series

MassMutual’s RetireSmart Program is all about helping you make smarter retirement decisions. Presented as a series of online seminars, industry professionals are here to help you better understand and plan for your retirement.

Learn More >

Cost of Waiting

Getting an early start on saving for retirement is a smart strategy, but so many of us wait or simply don't save enough. Find out how much waiting to join the plan or delaying enrollment altogether could impact your future.

Learn More >

MassMutual Articles & Insights

Welcome to MassMutual Articles & Insights, the online newsletter for MassMutual's Retirement Services plan participants. Here, you'll find articles on retirement , budgeting, college savings and loans, credit vs. debit, the psychology of money, and more. We'll post a new article on the first of every month - and sometimes more often, if there's something we just can't wait to share!

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