Investment Strategies

Diversification: Spreading investments across different assets to reduce risk and stabilize returns. “Don’t put all your eggs in one basket.”

Sources of Income During Retirement

• Social Security: Government-provided monthly payments funded by payroll taxes.
• Employer-Sponsored Plans: Includes 401(k), 403(b), and pensions, often with contributions from both employer and employee.

Individual Savings: Fully controlled by the individual, allowing flexibility in saving and investment choices.