<img alt="stop light" src="http://www.calcxml.com/images/90/hewgreen.jpg" align="left"/>Your quick retirement investment strategy check-up shows that you are doing well in achieving the goal of replacing most your current income. Based on your responses you may need to save 0% in order to replace most of your current income in retirement. The necessary savings rate may be less, depending on factors such as whether you have available a company-sponsored defined benefit plan or other investments or sources of income not considered in your quick check-up. You may also need to save more if you believe you'll need to replace more than 85% of your current income.<p/>Here are some additional ideas for keeping your retirement investment strategy on track.<p/>You may need to consider whether you are investing in the right amount of stock investments (such as stock mutual funds), and whether you have the right overall mix of investments for you.<p/>Here are sample investment portfolios across the risk spectrum for you to consider as you determine the appropriate mix for you:<img alt="chart image" src="http://www.calcxml.com/images/90/hew_table2.gif">Experts state that having too much in the stock of one company may result in excessive investment risk-taking. Based on your responses to the quick check-up, your retirement investment portfolio is not overly concentrated in the stock of any single company. However, consider checking your retirement portfolio periodically to ensure that your portfolio remains diversified at the individual stock level.<p/>Experts suggest reviewing your retirement investment strategy and portfolio at least once a year to make sure you remain on track to achieving your retirement goals. This may involve changing your strategy, or rebalancing an out-of-balance portfolio back to its intended allocation. Based on your response to the quick check-up, you are paying the right level of attention to your retirement investment strategy. That means you are not checking your portfolio too infrequently nor too often.<p/><i>For purposes of this analysis, the following assumption are used: annual rate of return 7%; inflation of 3%; salary increase of 1% above inflation; retirement at age 65; required pre-retirement income replacement ratio of 85%.<br></i>