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The retirement plan that is best for you is probably completely different than anybody else's. Your goals are unique along with your income and risk-tolerance.
To determine the best plan, an experienced financial planner can determine which concepts and products match your income and current/future needs. You'll be able to view recommendations that will get you from your current status to where you seek to be.
You need to establish your financial profile, risk tolerance and economic goals first. A secondary area of consideration is your tax bracket and if your employer offers a qualified plan that matches employee contributions. It may be in your best interest to consider non-qualified retirement plans. One thing is for sure, you should contribute as much as your budget allows to your retirement plan. The life expectancy of the American culture appears to be headed past age 90. You’re going to need it.
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To determine the best plan, an experienced financial planner can determine which concepts and products match your income and current/future needs. You'll be able to view recommendations that will get you from your current status to where you seek to be.