{"id":11450,"date":"2023-05-19T04:05:58","date_gmt":"2023-05-19T04:05:58","guid":{"rendered":"https:\/\/www.wallstreetzen.com\/blog\/?p=11450"},"modified":"2026-03-19T05:03:49","modified_gmt":"2026-03-19T05:03:49","slug":"best-retirement-investment-strategies","status":"publish","type":"post","link":"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/","title":{"rendered":"12 Best Retirement Investment Strategies &#038; Options in 2026"},"content":{"rendered":"\n<p>So, you\u2019re saving money for retirement and realize: If I let it sit in a stuffy savings account, I\u2019ll end up losing money to inflation. Now what? What is the best investment for retirement, anyway?<\/p>\n\n\n\n<p>I\u2019ve personally grown my retirement account to beat inflation and even turn a profit each year since I was 25, and it\u2019s actually way easier than you might be thinking.<\/p>\n\n\n\n<p>Want to know more? In this article, I\u2019ll offer my top 12 tips, strategies, and investment options for retirement to help ensure you\u2019ve got more than enough money stockpiled for when you\u2019re ready to retire.<\/p>\n\n\n    <div id=\"callout-box-block_8641b981e28de1ee490a4872f4873e67\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p><strong>At-a-glance: top retirement investing options + resources<\/strong><\/p>\n<p><!-- wp:paragraph --><\/p>\n<ul>\n<li>For planning + free tools: <a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">Empower <\/a><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/li>\n<li>For low-stress real estate investing: <a href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\">Arrived Homes<\/a>\u00a0and <a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/li>\n<li>Plus, check out our lists of the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-gold-ira-companies\/\" target=\"_blank\" rel=\"noopener\">best gold IRA companies<\/a>\u00a0and the best <a href=\"https:\/\/www.wallstreetzen.com\/blog\/alternative-investment-platforms\/\" target=\"_blank\" rel=\"noopener\">alternative investment platforms<\/a>.<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><\/p>\n<\/div>\n    <\/div>\n\n\n<div class=\"wp-block-code-snippets-content\"><div class=\"disclaimer\">\r\n\t<p>Note: We earn a commission for this endorsement of Fundrise. <\/p>\r\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.vncratcyb0uz\"><strong>What\u2019s the Best Retirement Investment Strategy?<\/strong><\/h2>\n\n\n\n<p><strong>The bottom line: <\/strong>There\u2019s no single retirement investment option that will be best for everyone. However, in my opinion, a combination of a standard 401(k), a Gold IRA, and real estate makes for a super healthy retirement plan. Here\u2019s why:<\/p>\n\n\n\n<ul>\n<li>Your 401(k) can offer some outstanding tax benefits.<\/li>\n\n\n\n<li>A Gold IRA and real estate will help hedge against inflation.<\/li>\n\n\n\n<li>Real estate will very likely appreciate over time for some serious returns.<\/li>\n<\/ul>\n\n\n\n<p>Check out some of our favorite gold IRA companies below: <\/p>\n\n\n\n<script src=\"https:\/\/www.benzinga.com\/widgets.js\"><\/script>\n\n<div class=\"bz-widget\" data-name=\"gold-ira-partner-widget\" data-partner=\"1\" data-width=\"100%\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.wwocd7xfwmga\"><strong>12 Retirement Investing Strategy Tips <\/strong><\/h2>\n\n\n\n<p>You can set up a retirement plan <em>today<\/em>&nbsp;using the strategies below. All it takes is some adjusting over time to dial in your ideal retirement investment strategy.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/pexels-rdne-stock-project-7491011.png\" alt=\"Pexels-rdne-stock-project-7491011\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.uk3lpwm6a65x\"><strong>1. Consider the Basics<\/strong><\/h2>\n\n\n\n<p>First, you need to figure out what\u2019s right for <em>you<\/em>.<\/p>\n\n\n\n<p>For instance, my plan relies pretty heavily on real estate investment. That might not be your interest \u2014 or in your comfort zone. <\/p>\n\n\n\n<p>So, first things first, you need to personalize your plan a bit. I recommend using the four metrics below to figure out your best retirement investment strategy:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/retirement-planning.png\" alt=\"Retirement-planning\"\/><\/a><\/figure><\/div>\n\n    <div id=\"callout-box-block_49fd53a53ff3a0e2e89ec68bbbece09d\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Need help figuring out your retirement needs? <a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">Empower (formerly Personal Capital)<\/a>\u00a0is a portfolio management tool that offers a number of no-cost resources to help you plan, including a retirement calculator, portfolio tracker, 401(k) fee analyzer, and more.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"><strong>Check out Empower<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h.cnxcxz4e5g1u\"><strong>Timeline<\/strong><\/h4>\n\n\n\n<p>Are you retiring in five years or fifty? The answer is going to be a major determining factor in choosing a retirement investment strategy that works.<\/p>\n\n\n\n<p>A financial planner of mine gave me some great advice regarding investments: generally speaking, the longer you have before you retire, the more risk you can take because you have longer to recover from potential losses.<\/p>\n\n\n\n<p>That means the ideal investment strategy for you now might not be ideal in 20 years. Retirement planning should be ongoing, and it\u2019s best to adjust your portfolio not only to suit your needs now but also in the future as you grow closer to retirement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h.pp9qhqlonw8s\"><strong>Spending Needs <\/strong><\/h4>\n\n\n\n<p>Next, consider your lifestyle now and what you expect it to be when you exit the workforce. If you\u2019re rolling around in a Lambo and summering in San Juan now, chances are, you\u2019re going to need a lot more to stay happy and satisfied in retirement.<\/p>\n\n\n\n<p>If that\u2019s the case, an aggressive retirement plan might be best for you.<\/p>\n\n\n\n<p>Not only do you need to consider your spending needs now, but you should also plan on things changing over time.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.imf.org\/en\/Publications\/fandd\/issues\/Series\/Back-to-Basics\/Inflation\" target=\"_blank\" rel=\"noopener\">cost of living has increased<\/a>&nbsp;significantly over the past few years alone. While it\u2019s not always an upward trend, even a few years of higher living costs could throw a wrench in your retirement plan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h.xb36w6lh0pex\"><strong>Define Your Risk Tolerance<\/strong><\/h4>\n\n\n\n<p>For those who can shrug off a high potential for losses \u2014 especially those planning early for retirement \u2014 investments that are considered high-risk might be ideal for maximizing returns.<\/p>\n\n\n\n<p>If the idea of losing money makes your head spin, low-risk, low-reward retirement strategies should probably be your bread and butter.<\/p>\n\n\n\n<p>Of course, mixing things up a bit is always a good idea.<\/p>\n\n\n\n<p>Another important thing to consider is that your risk tolerance will likely change over time. As you can see in the chart below, more risk isn\u2019t always better: <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/Untitled-65.png\" alt=\"Untitled\"\/><\/figure><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"h.vhilt3fk9jmb\"><strong>Estate Planning<\/strong><\/h4>\n\n\n\n<p>A lot of people hear this term and think it\u2019s only for people on their deathbeds. In actuality, it can help set you and your loved ones up for success early on in your life and provide some peace of mind that your hard work won\u2019t go to waste if something happens to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.j479u97igenw\"><strong>2. Be Mindful of Fees + Tax Considerations<\/strong><\/h2>\n\n\n\n<p>I read \u201cMoney: Master the Game\u201d by Tony Robbins a few years ago. In the 700+ pages, the most important takeaway was that fees and taxes could <em>cripple<\/em>&nbsp;even the best investment strategies for retirement.<\/p>\n\n\n\n<p>Accounts that get taxed as you contribute will mean you won\u2019t get hit with a huge amount of taxes when you withdraw, but you\u2019ll also miss out on compounding interest. The difference in your savings when you avoid ongoing taxes can be massive.<\/p>\n\n\n\n<p>Additionally, mutual funds can be a great way to invest without having to know much about the market, but the fees alone can prevent your money from growing as it should.<\/p>\n\n\n\n<p>You can\u2019t always avoid fees, and you\u2019ll probably never avoid taxes in the long run, but choosing investments that minimize both will often be hugely beneficial.<\/p>\n\n\n    <div id=\"callout-box-block_0bca44e72b929bc97820b2582dbacb28\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Need help? <a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">Empower<\/a>\u00a0offers a number of no-cost tools to help you make sense of taxes and fees.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"> Check out Empower<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.n9lemd3ptdd5\"><strong>3. Make Maximum 401(K) Contributions <\/strong><\/h2>\n\n\n\n<p>If you have a 401(k), it\u2019s really a no-brainer to contribute the maximum, which is $22,500 as of 2023. This is especially true if your employer matches your contributions.<\/p>\n\n\n\n<p>Any 401(k) contributions are made pre-tax, which means two important things.<\/p>\n\n\n\n<p>First, the IRS won\u2019t get paid on that income until you withdraw, so you get the benefit of compounding interest for years\u2014and maybe decades.<\/p>\n\n\n\n<p>Second, anything you contribute to your 401(k) doesn\u2019t count toward your taxable income, which could drop you down to a lower tax bracket and save you money in the short term on income tax.<\/p>\n\n\n    <div id=\"callout-box-block_fea57ddf37d50eafd4261cd7e3ae5e94\" class=\"callout-box promo\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon promo\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M21.41 11.58l-9-9C12.05 2.22 11.55 2 11 2H4c-1.1 0-2 .9-2 2v7c0 .55.22 1.05.59 1.42l9 9c.36.36.86.58 1.41.58.55 0 1.05-.22 1.41-.59l7-7c.37-.36.59-.86.59-1.41 0-.55-.23-1.06-.59-1.42zM5.5 7C4.67 7 4 6.33 4 5.5S4.67 4 5.5 4 7 4.67 7 5.5 6.33 7 5.5 7z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Here\u2019s a handy resource: Among its other tools, <a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">Empower<\/a>\u00a0offers no-cost 401(k) fee analyzer.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"> Check out Empower<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.i0t9ojhx9782\"><strong>4. Open an IRA <\/strong><\/h2>\n\n\n\n<p>If your employer doesn\u2019t sponsor a 401(k) plan, you can open an Individual Retirement Account (IRA)&nbsp;on your own. It works similarly, but you won\u2019t get the benefit of employer contributions.<\/p>\n\n\n\n<p>You can choose between a traditional or Roth IRA if you don\u2019t have access to a 401(k). You contribute to a traditional IRA pre-tax and a Roth IRA post-tax.<\/p>\n\n\n    <div id=\"callout-box-block_17f0a9b143a0794b3453f681c9a890f5\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Expand your knowledge: learn about the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-self-directed-iras\" target=\"_blank\" rel=\"noopener\">best self-directed IRAs<\/a>.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.xo74y8syfa43\"><strong>5. Consider a Gold IRA <\/strong><\/h2>\n\n\n\n<p>A Gold IRA can either work like a traditional or Roth IRA, so you can choose between pre-tax and post-tax contributions. <\/p>\n\n\n\n<p>But instead of your contributions being used to purchase things like money market funds and bonds, your money goes toward gold or other precious metals.<\/p>\n\n\n\n<p>I personally haven\u2019t invested in these, but I do plan to start. The fees for some options can be a bit high, but the best gold IRA companies&nbsp;have reasonable fees and can yield pretty outstanding returns in some cases.<\/p>\n\n\n    <div id=\"callout-box-block_68120a373b05bb121409a994fece1d89\" class=\"callout-box info\">\n        <div class=\"callout-box__icon-wrapper\">\n            <svg focusable=\"false\" class=\"callout-box__icon info\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\n                <path d=\"M12 3c-.46 0-.93.04-1.4.14-2.76.53-4.96 2.76-5.48 5.52-.48 2.61.48 5.01 2.22 6.56.43.38.66.91.66 1.47V19c0 1.1.9 2 2 2h.28c.35.6.98 1 1.72 1s1.38-.4 1.72-1H14c1.1 0 2-.9 2-2v-2.31c0-.55.22-1.09.64-1.46C18.09 13.95 19 12.08 19 10c0-3.87-3.13-7-7-7zm2 16h-4v-1h4v1zm0-2h-4v-1h4v1zm-1.5-5.59V14h-1v-2.59L9.67 9.59l.71-.71L12 10.5l1.62-1.62.71.71-1.83 1.82z\"><\/path>            <\/svg>\n        <\/div>\n        <div class=\"callout-box__content\"><p>Want to know more? Check out our article about the <a href=\"https:\/\/www.wallstreetzen.com\/blog\/best-gold-ira-companies\/\" target=\"_blank\" rel=\"noopener\">best gold IRA companies<\/a>.<\/p>\n<\/div>\n    <\/div>\n\n\n\n<p>Gold is a middle-of-the-road performer in terms of annual return over time, so it can be a great way to hedge against inflation. Plus, its value is considered stable. Just check out the <a href=\"https:\/\/www.statista.com\/statistics\/1061434\/gold-other-assets-average-annual-returns-global\/\" target=\"_blank\" rel=\"noopener\">chart below from Statista<\/a>&nbsp;that shows the average annual return at 7.78%:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/Untitled-64.png\" alt=\"Untitled\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h.buy9e9word2k\"><strong>6. Consider Real Estate Investing<\/strong><\/h2>\n\n\n\n<p>Real estate is one of the best investment strategies for retirement in part because there are a bunch of ways to add it to your portfolio.<\/p>\n\n\n\n<p>It\u2019s considered a safe investment because real estate has, historically, appreciated over time. It also has inherent value because everyone needs a place to live. I used to work in real estate, so investment properties have become a major part of my retirement plan.<\/p>\n\n\n\n<p>I personally go the route of short-term and long-term rentals most often, but you can get started with far less money if you use real estate investing sites.<\/p>\n\n\n\n<p>Two I like? <a href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\">Arrived Homes<\/a>&nbsp;and <a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/arrivedhomeslogo-2.png\" alt=\"Arrivedhomeslogo\"\/><\/a><\/figure><\/div>\n\n<p>If you love the idea of real estate investing but don\u2019t want to be a landlord, <a href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" target=\"_blank\" rel=\"noopener\">Arrived Homes<\/a>&nbsp;could be a great fit. The platform lets you invest as little as $100 in residential real estate rentals.<\/p>\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/arrived\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"><strong>Check out Arrived Homes<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Fundrise, on the other hand, lets you invest in proprietary \u201ceREITs\u201d or real estate funds that invest in a variety of different assets at once.<\/p>\n\n\n\n<p>These eREITs are like index funds but for REITs, which means you\u2019re not only investing in one company that owns multiple assets, but <em>multiple <\/em>companies that do. It\u2019s a great way to diversify within a single asset. Plus, you earn dividends!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\">Fundrise<\/a>&nbsp;currently has 11 eREITs to choose from, six of which are still in the process of being set up:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/Fundrise-eREITs-Available.png\" alt=\"Fundrise ereits available\"\/><\/a><\/figure><\/div>\n\n\n<p>Both Arrived Homes and Fundrise also help maintain greater liquidity, so they both offer benefits if you\u2019re closer to retirement than I am.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/fundrise\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"><strong>Check out Fundrise<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.uvz09lurh9jk\">7. Consider Alternative Investments<\/h2>\n\n\n\n<p>For every retirement investment option I\u2019ve mentioned, there are multiple alternatives that could provide greater returns or match your risk tolerance, timeline, or other personal metrics more accurately.<\/p>\n\n\n\n<ul>\n<li>Can\u2019t wrap your head around real estate investment and management? Try a company like <a href=\"https:\/\/www.wallstreetzen.com\/go\/doorvest\" target=\"_blank\" rel=\"noopener\">Doorvest<\/a>, which manages your real estate for you for a fee.<\/li>\n\n\n\n<li>Don\u2019t see the future of gold or IRAs in an ever-more digital world? Invest in cryptocurrency instead with a company like <a href=\"https:\/\/www.wallstreetzen.com\/go\/bitcoin-ira\" target=\"_blank\" rel=\"noopener\">BitcoinIRA<\/a>.<\/li>\n\n\n\n<li>Looking for something a little more exclusive? Invest in bluechip art with <a href=\"https:\/\/www.wallstreetzen.com\/go\/masterworks?utm_content=best-retirement-investment-strategies\" target=\"_blank\" rel=\"noopener\">Masterworks<\/a>&nbsp;or use <a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\">Public<\/a>&nbsp;to invest in collectibles (think: rare comic books and basketball memorabilia). Check out some of Public\u2019s art and NFT investment opportunities:<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/www.wallstreetzen.com\/go\/public\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/Public-Art-Investment-Opps.png\" alt=\"Public art investment opps\"\/><\/a><\/figure><\/div>\n\n\n<p>There is no shortage of alternative investments out there to customize your retirement plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.ntlur2luxduu\"><strong>8. Explore Fixed Annuities<\/strong><\/h2>\n\n\n\n<p>Fixed annuities are a popular way to protect yourself from running out of funds in retirement.<\/p>\n\n\n\n<p>Through a fixed annuity, which you can buy with retirement funds, you essentially get \u201cretirement insurance.\u201d It pays out a fixed amount\u2014hence the name\u2014annually once you retire, so you always know what money will be coming in.<\/p>\n\n\n\n<p>Since these are considered very low risk, the return on investment is minimal, but these accounts can be some of the best retirement investments to diversify and get some peace of mind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.5cr2m6g6irpf\"><strong>9. Make Friends with the Saver\u2019s Credit<\/strong><\/h2>\n\n\n\n<p>The Saver\u2019s Credit is a tax strategy for low- and moderate-income taxpayers. It\u2019s an income tax credit of between 10% and 50% of your first $2,000 contributed to a 401(k), a 403(b), a 457 plan, a SEP IRA, or a simple IRA.<\/p>\n\n\n\n<p>The Saver\u2019s Credit isn\u2019t an investment itself, but it can reduce your taxable income and save you up to $1,000, which you can then turn around and invest for retirement. As such, it makes a great retirement investing strategy for anyone who qualifies.<\/p>\n\n\n\n<p>TurboTax has a handy <a href=\"https:\/\/turbotax.intuit.com\/tax-tips\/tax-deductions-and-credits\/what-is-the-savers-credit\/L3LyopRkK#:~:text=The%20Retirement%20Savings%20Contributions%20Credit,saving%20in%20a%20retirement%20account.\" target=\"_blank\" rel=\"noopener\">breakdown of the income limitations<\/a>&nbsp;for this tax credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.rcvvbrac98c4\"><strong>10. Open a Health Savings Account (HSA)<\/strong><\/h2>\n\n\n\n<p>My wife and I just hired a new accountant, and she introduced us to HSAs. In fact, she said it was one of her favorite tax strategies. After she explained it to us, we immediately started the process of switching our medical insurance to a plan that included an HSA.<\/p>\n\n\n\n<p>Basically, you contribute pre-tax to an HSA, which you can then pull from to pay for out-of-pocket medical expenses, <em>also<\/em>&nbsp;tax-free. Things like copays and over-the-counter medications often qualify.<\/p>\n\n\n\n<p>As a family, you can <a href=\"https:\/\/marketplace.cms.gov\/outreach-and-education\/health-savings-account.pdf\" target=\"_blank\" rel=\"noopener\">contribute up to $7,750 per year<\/a>&nbsp;in 2023, and there\u2019s no limit to how long your money can sit in the account. If you withdraw after you\u2019re 65, there are no penalties, and you just pay federal income tax on the withdrawals.<\/p>\n\n\n\n<p>Basically, an HSA works as an additional IRA, but you get the benefit of being able to use untaxed funds to pay for medical expenses.<\/p>\n\n\n\n<p>This could potentially save you from having to dip into other retirement accounts to cover those expenses, making it an outstanding investment option, in my opinion \u2014 and my accountant\u2019s!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.uvhjoq3ygjzp\"><strong>11. Hedge Against Inflation<\/strong><\/h2>\n\n\n\n<p>A lot of people focus on simply saving money for retirement, but in my opinion, that\u2019s only half the battle. At all times, you have inflation working against your portfolio.<\/p>\n\n\n\n<p>The best investments for retirement income will not only provide an income for you after you retire, but they will also beat inflation to make sure your money later is worth more than it is now in terms of your cost of living.<\/p>\n\n\n\n<p>There are many ways to hedge against inflation, but I personally think the best retirement investment options for long-term portfolio health include those in gold and real estate.<\/p>\n\n\n\n<p>Generally speaking, the value of commodities increases with inflation. That means investing in gold and real estate will be more likely to beat inflation.<\/p>\n\n\n\n<p>In my opinion, a combination of a Gold IRA and some type of real estate investment\u2014like a long-term rental or crowdfunded real estate deal\u2014is a good way to fight the negative effects of inflation on your retirement funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.371wvnd3lbwm\"><strong>12. Have an Exit (Withdrawal) Strategy<\/strong><\/h2>\n\n\n\n<p>Finally, I recommend you come up with a withdrawal plan alongside your retirement investing strategy. Investing for retirement is all about planning, so why not plan how and when you\u2019ll make withdrawals, too?<\/p>\n\n\n\n<p>I suggest thinking about any penalties you might encounter for early withdrawal and the taxes that you\u2019ll have to pay on funds you take out.<\/p>\n\n\n\n<p>For example, taking money from a 401(k) or a Health Savings Account before you turn 65 will result in a 10% or 20% penalty, respectively. If you retire at 60, make sure you plan for 5 years of withdrawals from another account to avoid those fees.<\/p>\n\n\n\n<p>I suggest using <a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">Empower\u2019s retirement<\/a><a href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" target=\"_blank\" rel=\"noopener\">&nbsp;calculator and 401(k) analyzer<\/a>&nbsp;to get a sense of how the 401(k) contributions you make now will pay off when you\u2019re ready to retire and what the best withdrawal plan might be for you.<\/p>\n\n\n\n<div class=\"is-layout-flex wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.wallstreetzen.com\/go\/personal-capital\" style=\"background-color:#446bca\" target=\"_blank\" rel=\"noopener\"><strong>Check out Empower<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h.23uujmk5hqli\"><strong>Final Word: Best Retirement Investments + Strategies<\/strong><\/h2>\n\n\n\n<p>So, what is the best investment for retirement?<\/p>\n\n\n\n<p>The best investment options for retirement for me won\u2019t necessarily be the same for you, but if you apply the principles and use the strategies discussed above, you should be able to develop a personalized retirement investing strategy that suits you perfectly.<\/p>\n\n\n\n<p>In my opinion, though, a combination of inflation-resistant investments like a Gold IRA and real estate will help mitigate the risk of your accounts being worth less when you\u2019re ready to retire. Plus, investing in a good old-fashioned 401(k) can provide some pretty outstanding tax benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\t\t<div class=\"wp-faq-schema-wrap\">\n\t\t\t\t\t\t\t<h2>FAQs:<\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3>What is the $1000 a month rule for retirement?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The $1,000 per month rule for retirement uses basic math and averages to conclude that you need $240,000 saved in retirement accounts for every $1,000 per month you\u2019ll need to withdraw once you retire. This is an overly basic principle, but it\u2019s a good rule of thumb.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What is the 4% rule investing for retirement?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The 4% rule for retirement states that you should withdraw no more than 4% of your account balance per year from your retirement savings. In theory, this will ensure you don\u2019t run out of money early.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What is the 2% retirement rule?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>The 2% retirement rule states that the cost of living is expected to increase annually by 2%. It\u2019s recommended that investors use this bump in living costs to calculate how much money they need to save in order to retire, accounting for increasing costs.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>How to invest $100,000 for retirement?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>There\u2019s no single retirement investment strategy that will work for everyone, but it\u2019s a good idea to diversify to mitigate risk. A good plan is to max out your 401(k) contribution for that year and put the rest into Gold IRAs, real estate investments, and Health Savings Accounts. This allocation offers a good diversity of benefits and risks.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3>What are the best retirement investments?<\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Some of the best investments for retirement income include traditional 401(k)s, real estate, Gold IRAs, Health Savings Accounts, and fixed annuities. Some provide ongoing, steady income per year, while others help maximize your nest egg for portfolio longevity once you retire.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>So, you\u2019re saving money for retirement and realize: If I let it sit in a stuffy savings account, I\u2019ll end up losing money to inflation. Now what? What is the best investment for retirement, anyway? I\u2019ve personally grown my retirement account to beat inflation and even turn a profit each year since I was 25, [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":11452,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false},"categories":[23,39],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>12 Best Retirement Investment Strategies &amp; Options in 2026<\/title>\n<meta name=\"description\" content=\"Not sure where to get started with retirement planning? 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Don&#039;t miss these 12 retirement investment strategies + tips.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/\" \/>\n<meta property=\"og:site_name\" content=\"WallStreetZen\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-19T04:05:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-19T05:03:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wallstreetzen.com\/blog\/wp-content\/uploads\/2023\/05\/strategies-retirement-investing.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1068\" \/>\n\t<meta property=\"og:image:height\" content=\"713\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Dan Simms\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:site\" content=\"@wallstreet_zen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dan Simms\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\/\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": \"Article\",\n\t            \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/#article\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/\"\n\t            },\n\t            \"author\": {\n\t                \"name\": \"Dan Simms\",\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#\/schema\/person\/8c50e5f9491b2c9899a1bf8c5a716907\"\n\t            },\n\t            \"headline\": \"12 Best Retirement Investment Strategies &#038; Options in 2026\",\n\t            \"datePublished\": \"2023-05-19T04:05:58+00:00\",\n\t            \"dateModified\": \"2026-03-19T05:03:49+00:00\",\n\t            \"mainEntityOfPage\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/\"\n\t            },\n\t            \"wordCount\": 2358,\n\t            \"publisher\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#organization\"\n\t            },\n\t            \"articleSection\": [\n\t                \"Alternative investments\",\n\t                \"Retirement planning\"\n\t            ],\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"WebPage\",\n\t            \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/\",\n\t            \"url\": \"https:\/\/www.wallstreetzen.com\/blog\/best-retirement-investment-strategies\/\",\n\t            \"name\": \"12 Best Retirement Investment Strategies & Options in 2026\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\/\/www.wallstreetzen.com\/blog\/#website\"\n\t            },\n\t            \"datePublished\": \"2023-05-19T04:05:58+00:00\",\n\t            \"dateModified\": \"2026-03-19T05:03:49+00:00\",\n\t            \"description\": \"Not sure where to get started with retirement planning? 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