Timeless investments ideas

   Diversify. Allocate your assets in accordance with your retirement goals and your risk tolerance.  If you have investments outside the 401(k) plan, allocate your 401(k) as part of an overall portfolio, not as a stand-alone account. If your plan is just average, try to choose the best couple of funds in the plan and focus your contributions there. This assumes you have investments outside of the plan and can balance out your overall allocation with those outside investments. Don't assume that your 401(k) alone will be enough for retirement. If you go with the plan’s target-date fund, make sure you understand the pros and cons of this option. Don’t load up on your company stock if that is a plan investment option. If you don’t know why this is bad, think of World Com or Circuit City.