Retirement money: Seven common sources

In retirement, you’ll live on interest from savings and bonds, dividends from stocks, and lifetime income from pensions and Social Security.

Key sources of income during retirement

Instructions: Click each source of retirement income to learn more about it.

Social Security

The amount you receive in Social Security will vary based on how much you earn, but for many retirees today, their benefits equal 20% to 30% of their pre-retirement income. Visit the Social Security website ( to review your statement and estimate your benefits.
Generally, your Social Security benefits will not be reduced because of your military retirement benefits. You should get your full Social Security benefit based on your earnings. Check with a military retirement counselor if you have questions.


This is money you save. Try to earn the highest rate of interest you can.


Your portfolio of investments might include stocks, mutual funds, bonds, etc.
Learn more about investing in the Building Wealth topic.

New income

Many people — if they can — continue to earn money by working part-time, running a small business, or cycling between periods of employment and leisure. In addition to the income, continuing to work helps many people to feel connected, useful, and satisfied with life.

Home equity

If you’re a homeowner, another source of retirement funds might be the home equity you have accumulated over the years.

Click the Next button to continue.