Rather than spending your refund now to treat yourself to something special, invest this money (or at least a portion of it) in an IRA.

Consider this example as your incentive. The average tax refund last year was about $2,700. If you were to invest those dollars today, you could have more than $5,800 in 10 years! And the story gets even better over a longer timeframe.

This hypothetical example assumes an annual return of 8%. The example does not account for any fees or expenses, and therefore returns from an actual investment would be lower. It is illustrative only and is not indicative of any specific return you may receive from a particular investment.

Why should I start saving now?
In many cases, people do not start to aggressively save for retirement until they reach their 40s or 50s. It may be that they simply do not know the penalty for delay is an increasingly more difficult game of “catch-up” to accumulate a given dollar goal...continue reading

Does it matter how much I invest?
While cutting back expenses to save more may seem difficult, take a look at the impact investing additional money each year may have on the value of a portfolio over time...continue reading

What type of IRA is right for me?
Two of the most popular types of IRAs are Roth and Traditional, and both offer investors important benefits when saving for retirement. To learn more about which IRA is right for you, look at this chart.

How do I get started?
Ariel Investments makes it simple to get started. You can apply right now online, print out an application and mail it in, or request that one of our investment kits be mailed to you. Remember, all you need is $50.00/month to get started!