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Your 401(k) and Your Retirement

Keep your plan in good shape for a sustainable retirement

Have you calculated how much money you'll need to retire comfortably?

Whatever your situation, there is one thing that most working people do agree on: it's good to have a retirement plan, such as a 401(k).

Your 401(k) savings can add up quickly, providing you the nest egg you need beyond Social Security and pension payments.

So how do you know if you have the best 401(k) plan for your retirement? Most likely you've already considered your investment objectives and weighed risk versus return and performance over time.

But fees and expenses are also major factors concerning your retirement income. Did you know that some 401(k) investors are paying more than 5 percent each year in fees? A 1-percent change may not seem like a lot, but just watch what happens when you apply it to your retirement savings. Watch the video to learn more.

New tools are available to help you figure out how much you're paying in 401(k) fees. If you work for a large employer, CNN Money offers a free tool that shows the impact of the fees in your employer’s plan.

If your employer is not in CNN Money’s database, you could use a tool like just to calculate the impact that a couple of percentage points in fees makes over your lifetime.

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