If you’re invested for the long-term, your retirement account will go up and down with the market. “Without saving, investment metrics make no difference. The more time you have to save until retirement, the less concerned you should be with investments. “These are metrics that a retirement saver has direct control over,” says Michael Clark, Managing Director & Consulting Actuary in Denver. “Time is the number one factor for the best retirement plan, and one that most investors ignore or do not understand,” says Curtis Ray, CEO of SunCor Financial in Gilbert, Arizona.

Source: Forbes September 05, 2020 14:37 UTC