<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 14% 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. Check your retirement investment portfolio to ensure that you are not assuming too much risk by concentrating your portfolio in the stock of a single company. (Check your plan rules to determine which portions of company stock, if any, are restricted in terms of diversification.)<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 may need to review your account more often in order to maintain the right strategy for you.<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>