How to Motivate Yourself to Save for Retirement

Check that you are getting the most from your 401K investments.

One of the most glaring holes in our education system is retirement investing. Retirement investing is a long term proposition and is similar to looking after your health – do what is sensible and have occasional checkups that become more frequent as you age.

http://www.myplaniq.com/LTISystem/f401k_view.action?ID=5,464 this is about the simplest type of portfolio you can get – six ETFs – index funds – no fancy management – one fund for each of six different classes. Over a five year period, buy and hold has returned 7% and a more active momentum strategy has returned 13%.

You can apply the same approach to your 401K or other retirement vehicle to optimize returns.

This is a simple, easy to understand fund and investment approach that can be used as a benchmark for what others are telling you.

Disclaimer

The results were obtained using historical simulation and so are hypothetical

Historical returns do not guarantee future returns

The site that offer the portfolio, MyPlanIQ has no relationship or affiliation with any of the funds or their providers -- they were selected arbitrarily

Simon Napper of CA 5:32AM March 19, 2011