Investing Basics for Educators: Understanding a few basic investing concepts can help you make more informed and confident decisions.

Key takeaways
  • Investment returns are some combination of interest, dividends and/or capital appreciation.
  • The longer you remain invested, the greater your opportunity for higher investment returns.
  • Diversifying across many different investment types can help to manage risk.
  • To lower your retirement risk, you may need to take on more market risk.

What to know and how to calculate it

NJ Retirement Estimate Calculator

Use this link to find out more about your tier and how it is calculated. TPAF= Teacher's Pension and Annuity Fund 

Retirement Planning

NJ Retirement Tax Calculator

Use this link if you would like to calculate your income tax on your retirement/pension. 

​NJEA Online Pension Webinar

(To find out more or to access additional resources go to this njea retirement link)
This NJEA webinar is meant for members who will likely retire in the next five years. Many have attended an XYZs of Retirement workshop already or are at least familiar with the retirement system in which they are enrolled. Participants follow along with their own individual retirement estimates as the presenter discusses various retirement options. Retiree health benefits are reviewed along with the important steps to retirement.

​After the presentation portion, members may ask questions. Webinars are held in a small group format. These webinars are typically given after school throughout the year.