Only you can make decisions about your retirement goals, when to start saving for them, and how much to save. But when it comes to deciding how to invest your money to get the best possible return, you should probably consult with a financial or investment advisor.
As we've seen throughout this course, the complex investment world presents you with a lot of choices -- not all of them good ones.
In the chapter on Ideal Asset Allocation, you learned that an "efficient portfolio" will get you the highest possible return for the level of risk you decide to take. There is only one truly efficient portfolio for any risk preference level. The key is finding it.
Creating an efficient portfolio involves calculating how investments perform, and how they relate to one another (their "correlation"). Doing all these calculations requires sifting through an enormous amount of data, and it really isn't possible for an individual to do this.
The information provided here is intended to help you understand the general issue and does not constitute any tax, investment or legal advice. Consult your financial, tax or legal advisor regarding your own unique situation and your company's benefits representative for rules specific to your plan.