<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 8% 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/>Based on your quick check-up responses, you may need to consider whether you are investing <i>too heavily</i> in 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, you may need to consider further diversifying your portfolio by reducing your investment exposure to 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 check your account frequently. Be aware that managing your retirement investments <i>too actively</i> (e.g. more than four time per year) may undermine your long-term investment focus.<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>