Retire Today

Yet there's no assurance that a subpar decade will be followed by a superior one. If anything, economists' expectations of generally slow growth over the next few years suggest it may take a while for stocks to return to their glory days.

Besides, recent research shows that the market is actually more prone to gut-wrenching setbacks than many investors assume.

So even if you shifted your portfolio dramatically toward equities, and that strategy generated lofty gains for several years, one repeat of the 50%-plus drop in stock prices from late 2007 to early 2009 could wipe out much of your progress.

That doesn't mean you have to simply accept the shortfall, though. There are several ways to close the gap between where you are and where you'd like to be, the most effective of which is not to invest more aggressively but to save that way.

http://money.cnn.com/2010/08/10/pf/expert/retirement_catch_up.moneymag/index.htm

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