Retirement assets are a particular kind of investment asset in which money is specifically set apart to be used after retirement. These assets are used both to save and to earn for retirement. They are designed to provide funds that will allow you to live comfortably after you retire. Be aware that there are significant penalties (in taxes and fees) if you use these assets before you turn sixty or sixty-five. Examples of retirement assets include company pensions, IRAs, and 401(k) plans. The value of a retirement asset is usually calculated according to its current market value.