Introducing AARP RealPad: The Wi-Fi Tablet That Makes It Easy to Share, Learn, Connect and Play. Learn more



10,000 Games Galore Sweepstakes from AARP
Think You Know AARP Caribbean Cruise Sweepstakes
AARP Auto Buying Program

Jobs You Might Like



Nothing has been viewed


Best Employers for Workers Over 50

See the latest winners of this AARP recognition program.

Employer Resource Center

Attract and retain top talent in a changing workforce.

To Save or Not To Save?

That's the question many workers ask when their employer stops matching 401(k) contributions.

You indicate that you have most of your money in stocks and bonds, and that’s where your long-term money should reside. But the $64,000 question is this: How much do you have in each category? Let me give you some guidelines that are strictly my own. I will be so bold as to suggest that the percentage of money that you allocate to stocks should comprise no less than 40 percent of the total you have earmarked for retirement and probably not much more than 60 percent—unless you can tolerate losing a sizeable portion of your money, as has happened over the past year to stock devotees.

In the final analysis, you have to be able to sleep at night.  If holding a good dollop of stocks is robbing you of sleep, then lighten up. But keep in mind that the way the investment markets perform over the next few years, even over the next decade, should not be an overriding concern of those who will need the money to last for several decades. Taking little or no risk with all or most of your money could result in your having to cut back on your living expenses later in life.

All the information presented on is for educational and resource purposes only. We suggest that you consult with your financial or tax adviser with regard to your individual situation. Use of the information contained in this Web site is at the sole choice and risk of the reader.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Jobs You Might Like

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Woman sitting on sofa using laptop
membership adt

Small business owners save 20% on new installation of any new ADT security system.

Mujer en la parte de afuera de so negocio

Free quotes for members from the AARP® Small Business Insurance Program.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.

Rewards for Good

Your Points Balance:

Learn More

Earn points for completing free online activities designed to enrich your life.

Find more ways to earn points

Redeem your points to save on merchandise, travel, and more.

Official Sweepstakes Rules

Explore Your Learning Possiblities