There is a wide array of savings options that are available to married couples, from plans that are sponsored by your employer to individual retirement accounts. It is a personal choice to decide which is right for you as this is a large part of your financial planning landscape.
You should discuss with your spouse how you can benefit the
most as a team. After all, you will most likely want to be together in your
retirement years so it is wise for the pair of you to try to come up with a
strategy that benefits both of you.
There are a number of things that you should try to work
out, such as how much of your income you can afford to contribute to your
retirement accounts, if your employer retirement plan includes appropriate,
well rated options for investing that come with reasonable fees, and if you
want to have the least amount of investment accounts that you will need or are
comfortable having multiple such accounts.
Just by doing a little bit of research you can learn a great
deal about the kind of investment vehicles that are available to you.
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