2. "Retirement Accounts." All of your retirement account statements go here. You should create a file for each retirement account that you and your partner have. If you have three IRAs and a 401(k) plan, then you should have a separate file for each. The most important documents to file are the quarterly statements. If you have a company retirement account, you should also definitely keep your sign-up package, because it lists the investment options you have—something you should review at least once a year. You don't need to keep the prospectuses that the mutual-fund companies mail you each quarter.
3. "Social Security." Keep your most recent Social Security Benefits Statement in this folder. If you haven't received a statement in the mail in the last 12 months, request one by going online to www.ssa.gov or telephoning the Social Security Administration toll-free at (800) 772-1213.
4. "Investment Accounts." This folder is for every statement you receive related to any investments you may have (mutual funds, stocks, bonds, etc.) that are not in a retirement account. Prepare a separate file folder for every brokerage account you maintain.
5. "Savings and Checking Accounts." Keep your monthly bank statements here, with a separate file folder for each account. Generally speaking, you don't need to keep bank statements for more than a few months—certainly not more than a year. If you get your statement online, print out a copy and stick it in the file.
6. "Household Accounts." If you own your own home, this hanging folder should contain the following files: