| Everyones situation is different,
Your age, amount of money you have to invest, the amount of risk on your money you wish to take.
If you are 20 and you have 300 dollars a month to put into a plan,
or are you 50 and onoly have 100 dollars a month
You need to sit down with a good finical planner who can show you and explain to you all the differnet plans.
do you want or need the tax derferment now, or would you prefer the money to come out tax free when you draw the retirement.
I personally split my money into two groups, one is in a more secure fund but a guarteed interest but much lower about like todays CD's but it is building tax exempt
My other group is at a higher yeild, but the money is in that fund used various mutal funds which are not guarnteed. I divide the money in this group into four mutual funds, one much safer but lower yeld, and the others going up in higher yeild but more risk. I did about 17 percent on these funds last year but I watch them very close and move the funds if I see a trend in the market.
So everyone has thier own needs and amount of money they have to put in to reach the retirement goal they want. | 
Linear Mode
