My company keeps our retirement funds with American Funds, in their specially designed Retirement account. This feature takes into consideration when the policy holder is slated to retire, so that as he ages the distribution of the holdings will vary accordingly. It is a good program for those who might not know what to do otherwise. I might wish my return was better that it is right now, but thats a problem of the economy as a whole, and with several years left, it will get better.