Making an impact with your IRA: Investing for retirement is an investment in the future you want to see. Through impact investing, your IRA can help to cultivate that future by positively affecting society and the planet.
Making an impact with your IRA: Investing for retirement is an investment in the future you want to see. Through impact investing, your IRA can help to cultivate that future by positively affecting society and the planet.
Investing in ecologically responsible companies can help to foster a more sustainable environment.
Through community investing we seek to help build healthy and vibrant communities by directing capital to where it is needed most. |
By engaging with issuers, civil society organizations, and policy makers, we strive to create financial, environmental, and societal value. |
For more about investing for retirement, continue below.
Learn more about how we invest, and about how your IRA can help to make a real impact, check out our Domini Funds 2019 Impact Report:
For most individuals, investing for retirement is the biggest investment they'll ever make. Such an important investment can be aided by having a plan to accurately gauge financial resources and retirement goals.
Generally, retirees obtain their retirement income from three sources: Social Security, employee-sponsored retirement plans (including 401(k) plans), and individual savings and investments. Because Social Security and pension benefits do not typically provide for all retirement needs, most persons need to rely on individual savings and investments to help fund retirement.
When planning for retirement, a variety of factors can influence an individual’s investment decisions. Of these, the most significant consideration is time horizon (the length of time until retirement) since it can most dramatically affect an individual’s asset allocation.
An investor who is saving for retirement at age 30 may afford to invest more aggressively than someone who is 60. Because the younger investor won't need her money for more than 30 years, she may be better able to withstand short-term volatility in seeking maximum long-term growth. Consequently, she may be able to afford to invest in a more aggressive portfolio, heavily weighted with stocks.
The older investor, by contrast, may be less able to withstand short-term volatility because he is nearing retirement age. A more conservative mix of investments is generally warranted for those with shorter time horizons.
As an individual nears retirement age, however, it's important to keep in mind that conservative investments, such as money market accounts, can often fail to keep pace with inflation. Thus, as an individual nears retirement and even during retirement, he may want to consider maintaining some exposure to stocks.
Already know that you want to make an impact with your investments?
An investment in the Domini Funds is not a bank deposit and is not insured. You may lose money. An investment in the Funds is subject to market, market sector, impact investing, credit, interest rate, liquidity and foreign investing risks. Investing internationally involves special risks, such as currency fluctuations, social and economic instability, differing security regulations and accounting standards, limited public information, possible changes in taxation, and periods of illiquidity.
Please consult a professional adviser for tax, investment and legal advice, as Domini and its employees may not provide any advice.
Please refer to IRS Publications 590-A and 590-B, and the Domini IRA Disclosure Statement and Custodial Account Agreement, with regard to IRA contribution and withdrawal rules.
Check the background of DSIL Investment Services LLC and its investment professionals on FINRA's BrokerCheck. Before investing, consider the Domini Funds’ investment objectives, risks, charges, and expenses. View or order a prospectus. Read it carefully.
DSIL Investment Services LLC (DSILD) distributor, Member FINRA.
Domini Impact Investments LLC (Domini) is the Funds’ investment manager. The Funds are subadvised by unaffiliated entities.