My current position and some that were prior to this one offer 401K plan benefits and my current position does 100% matching on investment up to six percent I believe. This means that for every six percent of my paycheck that I put into my 401K, my job will give that same amount as well. While it doesn't sound like much, if it is invested properly, it can have some great returns. In an article by Nguyen in 2016 it is warned for investors to not only be mindful of returns on their investment, but to also be aware of the risk represented by standard deviation on the portfolio's return. Typically the greater the return, the riskier the investment. Someone who is young and has the time to risk could likely make more risky investment moves than someone who is over the age of 50 that is trying to retire in the next 15 years or so. Utilizing an integer model to help get an idea of what risk level you can take would be worth finding out if you have time to make a bigger plan with riskier investments or can forecast if it's time to buckle down and save in smarter ways to avoid losses. In times like our current economy, making the smartest moves with your investment can help you to come out the other side better off. Other constraints can come into play as well. How quickly are you looking to make a return? Do you have time to build something like a bond or IRA? Do you need to risk it all in stocks or can you make other investment options available as well like property or other assets that can build wealth over time? What is the ultimate goal or amount that you want your portfolio to reflect? How long does your retirement need to last for? So many factors go into thinking about retirement. The best advice I know for sure is that the earlier you start saving, the longer you'll be able to save making it more likely for you to be comfortable when you do retire and possibly make it happen earlier than you had anticipated.

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