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class="navigation-items__item js-navigation-main-item"> <a href="#" class="navigation-items__link js-navigation-link t-track-expandible-menu" aria-expanded="false"> <h2 class="navigation-items__title"> Navigate your financial life </h2> <p class="navigation-items__descr"> Get insights from Financial Guides, collections of resources to help with making decisions at any life stage. </p> </a> <ul class="navigation-items__menu js-menu-item navigation-items__menu--three-columns" aria-hidden="true"> <li class="navigation-items__menu-list"> <div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Navigate your financial life </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--column"> <div class="aem-wrap--heading-latest section"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link 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Find guidance on preserving your nest egg and leaving a legacy.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com </span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/guidance/nearing-retirement/health-care-costs?src_cd=bac_retirement" target="_blank" data-path="https://www.merrilledge.com/guidance/nearing-retirement/health-care-costs?src_cd=bac_retirement" data-language="en-US" hreflang="en-US" data-subtopic="nearing-retirement" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--nearing-retirement mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Nearing retirement</h3> <p class="mosaic-item__description">As you approach retirement, follow this guide to help take stock and make the most of your savings and investing opportunities.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com </span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/7-steps-prepare-for-your-upcoming-retirement?src_cd=bac_retirement" target="_blank" data-path="https://www.merrilledge.com/article/7-steps-prepare-for-your-upcoming-retirement?src_cd=bac_retirement" data-language="en-US" hreflang="en-US" data-subtopic="nearing-retirement" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--nearing-retirement mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 7 steps to prepare for your upcoming retirement</h3> <p class="mosaic-item__description">Planning to retire within the next 10 years? 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Here's what you need to know to help give you the confidence to get started.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/retirement/ways-to-invest-money" data-path="/content/bmh/en/retirement/ways-to-invest-money" data-language="en-US" hreflang="en-US" data-subtopic="building-wealth" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--building-wealth mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Stocks, bonds and more: The building blocks of investing</h3> <p class="mosaic-item__description">Ready to lay a foundation for your financial future? Learn all about the basic tools of investing and how you can use them to help you reach your goals.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://www.ml.com/articles/the-basics-q-a-income-that-measures-up.html" target="_blank" data-path="https://www.ml.com/articles/the-basics-q-a-income-that-measures-up.html" data-language="en-US" hreflang="en-US" data-subtopic="nearing-retirement" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--nearing-retirement mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Do you have a retirement spending plan?</h3> <p class="mosaic-item__description">Drawing down your retirement savings can be complex. Learn the three primary questions to ask to help develop your personal retirement spending and drawdown strategy.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at Merrill.com</span> </span> </div> </div> </a> <a href="https://www.ml.com/articles/social-security-for-women.html" target="_blank" data-path="https://www.ml.com/articles/social-security-for-women.html" data-language="en-US" hreflang="en-US" data-subtopic="living-in-retirement" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--living-in-retirement mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Women's guide to Social Security</h3> <p class="mosaic-item__description">Learn the three strategies women should consider before claiming Social Security benefits.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at Merrill.com</span> </span> </div> </div> </a> <a href="https://www.ml.com/articles/7-key-retirement-dates-you-wont-want-to-miss.html#financial-goals-and-priorities" target="_blank" data-path="https://www.ml.com/articles/7-key-retirement-dates-you-wont-want-to-miss.html#financial-goals-and-priorities" data-language="en-US" hreflang="en-US" data-subtopic="living-in-retirement" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--living-in-retirement mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 7 key retirement dates you won't want to miss</h3> <p class="mosaic-item__description">Taking steps at each of these key stages on the road to retirement could help you maximize your income, minimize your taxes and avoid penalties.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at Merrill.com</span> </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/retirement/how-to-start-investing" data-path="/content/bmh/en/retirement/how-to-start-investing" data-language="en-US" hreflang="en-US" data-subtopic="building-wealth" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--building-wealth mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Investing: Why it’s important and how to get started</h3> <p class="mosaic-item__description">Investing can feel intimidating at first, but getting started requires less money and time than you might think.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/retirement/what-is-a-roth-401k" data-path="/content/bmh/en/retirement/what-is-a-roth-401k" data-language="en-US" hreflang="en-US" data-subtopic="starting-out" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--starting-out mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Did you say Roth 401(k)? Here’s what you need to know</h3> <p class="mosaic-item__description">Learn how this retirement savings plan works, the difference between it and a traditional 401(k) and how it can help you to build your nest egg.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="#" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--87ffcdf9-e631-3524-8faf-a4b94ba5a0c5 js-quiz mosaic-item mosaic-item--quiz mosaic-item-- js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="2" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/retirement"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">When it comes to Social Security, what is the earliest age you can claim benefits?</legend> <div class="quiz-question__responses"> <a href="#" data-role="87ffcdf9-e631-3524-8faf-a4b94ba5a0c5" question-id="topic-link-60" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_when_it_comes_to_social_security__what_is_the_earliest_age_you_can_claim_benefits_answer_60" role="button" aria-label="60">60 </a> <a href="#" data-role="87ffcdf9-e631-3524-8faf-a4b94ba5a0c5" question-id="topic-link-65" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_when_it_comes_to_social_security__what_is_the_earliest_age_you_can_claim_benefits_answer_65" role="button" aria-label="65">65 </a> <a href="#" data-role="87ffcdf9-e631-3524-8faf-a4b94ba5a0c5" question-id="topic-link-62" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_when_it_comes_to_social_security__what_is_the_earliest_age_you_can_claim_benefits_answer_62" role="button" aria-label="62">62 </a> <a href="#" data-role="87ffcdf9-e631-3524-8faf-a4b94ba5a0c5" question-id="topic-link-58" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_when_it_comes_to_social_security__what_is_the_earliest_age_you_can_claim_benefits_answer_58" role="button" aria-label="58">58 </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-60"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> 60</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-65"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> 65</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-62"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> 62</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-58"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> 58</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">The earliest you can claim Social Security benefits is age 62. If you decide to wait longer to claim social security, you could receive more every month.</p> <p class="quiz-answer__content incorrect">The earliest you can claim Social Security benefits is age 62. If you decide to wait longer to claim social security, you could receive more every month. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://www.merrilledge.com/guidance/retired/retirement-income-strategy" data-bactmln="poll-_-submit-_-question_when_it_comes_to_social_security__what_is_the_earliest_age_you_can_claim_benefits_"> Learn about benefits </a> </div> </div> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type1 quiz--a09d9169-5cf6-30aa-82dd-d351fc630ca6 js-quiz mosaic-item mosaic-item--quiz mosaic-item--starting-out js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="3" data-subtopic="starting-out" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/retirement"/> <input class="quiz--type" type="hidden" value="type1"/> <h3 class="quiz-title"> Poll </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Would you start your own business after you retire?</legend> <div class="quiz-question__responses"> <a href="#" data-role="a09d9169-5cf6-30aa-82dd-d351fc630ca6" question-id="topic-link-yes" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_would_you_start_your_own_business_after_you_retire_answer_yes" role="button" aria-label="Yes">Yes </a> <a href="#" data-role="a09d9169-5cf6-30aa-82dd-d351fc630ca6" question-id="topic-link-no" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_would_you_start_your_own_business_after_you_retire_answer_no" role="button" aria-label="No">No </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type1" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-yes"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Yes</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-no"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> No</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Many retirees turn their hobbies into post-retirement work. Ask yourself these 8 questions to see if your passion and personality are suited to entrepreneurship.</p> <p class="quiz-answer__content incorrect">Many retirees turn their hobbies into post-retirement work. Ask yourself these 8 questions to see if your passion and personality are suited to entrepreneurship. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://www.merrilledge.com/article/when-to-draw-social-security" data-bactmln="poll-_-submit-_-question_would_you_start_your_own_business_after_you_retire_"> Ask the questions </a> </div> </div> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type1 quiz--c33c4088-3a5e-3a13-8646-4271794216a9 js-quiz mosaic-item mosaic-item--quiz mosaic-item--building-wealth js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1" data-subtopic="building-wealth" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/retirement"/> <input class="quiz--type" type="hidden" value="type1"/> <h3 class="quiz-title"> Poll </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Which do you use to build your retirement savings?</legend> <div class="quiz-question__responses"> <a href="#" data-role="c33c4088-3a5e-3a13-8646-4271794216a9" question-id="topic-link-ira" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_do_you_use_to_build_your_retirement_savings_answer_ira" role="button" aria-label="IRA">IRA </a> <a href="#" data-role="c33c4088-3a5e-3a13-8646-4271794216a9" question-id="topic-link-401-k-" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_do_you_use_to_build_your_retirement_savings_answer_401_k_" role="button" aria-label="401(k)">401(k) </a> <a href="#" data-role="c33c4088-3a5e-3a13-8646-4271794216a9" question-id="topic-link-investment-account" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_do_you_use_to_build_your_retirement_savings_answer_investment_account" role="button" aria-label="Investment account">Investment account </a> <a href="#" data-role="c33c4088-3a5e-3a13-8646-4271794216a9" question-id="topic-link-no-savings" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_do_you_use_to_build_your_retirement_savings_answer_no_savings" role="button" aria-label="No savings">No savings </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type1" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-ira"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> IRA</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-401-k-"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> 401(k)</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-investment-account"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Investment account</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-no-savings"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> No savings</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">It's never too early to start building your retirement nest egg. Consider using tax-advantaged retirement plans like IRAs or 401(k)s through your employer.</p> <p class="quiz-answer__content incorrect">It's never too early to start building your retirement nest egg. Consider using tax-advantaged retirement plans like IRAs or 401(k)s through your employer. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://www.merrilledge.com/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose" data-bactmln="poll-_-submit-_-question_which_do_you_use_to_build_your_retirement_savings_"> Learn more </a> </div> </div> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type2 quiz--80015e1a-1230-338e-ab57-77f6540b07b8 js-quiz mosaic-item mosaic-item--quiz mosaic-item--living-in-retirement js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="1" data-subtopic="living-in-retirement" aria-live="polite"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/retirement"/> <input class="quiz--type" type="hidden" value="type2"/> <h3 class="quiz-title"> Quick quiz </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Which of these sources of income are NOT designed to last the remainder of your life?</legend> <div class="quiz-question__responses"> <a href="#" data-role="80015e1a-1230-338e-ab57-77f6540b07b8" question-id="topic-link-social-security" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_sources_of_income_are_not_designed_to_last_the_remainder_of_your_life_answer_social_security" role="button" aria-label="Social Security">Social Security </a> <a href="#" data-role="80015e1a-1230-338e-ab57-77f6540b07b8" question-id="topic-link-savings-account" class="t-track-quiz-response js-quiz-response quiz-question__response correct background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_sources_of_income_are_not_designed_to_last_the_remainder_of_your_life_answer_savings_account" role="button" aria-label="Savings account">Savings account </a> <a href="#" data-role="80015e1a-1230-338e-ab57-77f6540b07b8" question-id="topic-link-employer-pensions" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_sources_of_income_are_not_designed_to_last_the_remainder_of_your_life_answer_employer_pensions" role="button" aria-label="Employer pensions">Employer pensions </a> <a href="#" data-role="80015e1a-1230-338e-ab57-77f6540b07b8" question-id="topic-link-annuities" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_which_of_these_sources_of_income_are_not_designed_to_last_the_remainder_of_your_life_answer_annuities" role="button" aria-label="Annuities">Annuities </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type2" aria-hidden="true" aria-labelledby="quiz-results-label"> <span id="quiz-results-label" class="accessibility-hidden">Your Results</span> <div class="quiz-answer-status__option correct"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-checkmark.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Nicely done </div> </div> <div class="quiz-answer-status__option incorrect"> <figure aria-hidden="true"> <img src="/etc.clientlibs/bmh/clientlibs/resources/images-min/action-close.svg" aria-hidden="true" alt=""/> </figure> <div class="quiz-answer-status__status"> Good try </div> </div> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-social-security"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Social Security</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-savings-account"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Savings account</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-employer-pensions"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Employer pensions</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-annuities"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Annuities</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">You’ll only get what you put into savings and investment accounts (as well as annuities). Predictable sources of income, like pensions, last a lifetime unless your employer terminates it.</p> <p class="quiz-answer__content incorrect">You’ll only get what you put into savings and investment accounts (as well as annuities). Predictable sources of income, like pensions, last a lifetime unless your employer terminates it. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://www.merrilledge.com/guidance/retired/retirement-income-strategy?src_cd=bac_retirement" data-bactmln="poll-_-submit-_-question_which_of_these_sources_of_income_are_not_designed_to_last_the_remainder_of_your_life_"> Plan for retirement </a> </div> </div> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--starting-out mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="starting-out" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Starting to invest in your twenties with smaller amounts can have a greater impact than investing larger amounts later in life.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/gen-z-financial-habits?category=investing" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/gen-z-financial-habits?category=investing" tabindex="0" role="button"> <span class="accessibility-hidden"> Did you know? Starting to invest in your twenties with smaller amounts can have a greater impact than investing larger amounts later in life. </span>Learn more </a> </div> </div> <div class="aem-wrap--dislosure-container section"> <div class="dislosure-container js-dislosure-container" data-action="dislosureContainer"> <div class="row row--text"> <div class="column column--span-1-1"> <div> <div class="disclosure js-disclosure"><div class="aem-wrap--text-latest section"> <div class="text-latest" data-cmp-name="text-latest"> <div class="cmp-text list-spacing--default list-height--default bullet-color--black acs-override"> <p><strong>Investing involves risk. 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