What Should Be Included In Your Retirement Plan? 
Each person 's retirement plan is different . The makeup should be based on what defined pensions -LRB- if any -RRB- you have along with what other sources you are utilizing . Naturally , a matching 401K is a great foundation along with other diversified safe assets . A full-time financial planner or broker -LRB- not marketers , advertisers , media persons or unlicensed representatives -RRB- will offer some great ideas including what mutual funds -LRB- if any and why -RRB- should be used , annuities , bonds or other investment instruments . 