No single retirement plan works for everyone. Your plan should be customized – shaped by your own goals, your comfort with risk, how long you have until retirement and how long you think you’ll be in retirement.
This is the single most factor that everybody gages their investment decision “What is the rate of return?” and it depends on who you ask. If you ask an investment broker, he is going to tell you the average rate of return on XYZ mutual fund is 6%. But what you want to know is [...]