If You
I went to my local EDWARD JONES investment consultant with $20,000 I had been given several years ago. He helped me set up a diversified portfolio. From then on I put 5-10% of my earnings into a 401 and then transferred to an IRA at Edward Jones when the company I worked for for 15 years went broke. I also put any extra money that came my way into that portfolio. If you do that early enough in your earning career, you may very well have enough to retire on no matter what the economy does.