Earlier, when the economy was at its peak, it was believed that about 10% of your income should be invested towards retirement. However with the current recessive economy, the financial advisors believe that about 20% is a safer bet. We may need more money during our retirement years with the fear of inflation. We must know where our existing assets are allocated, so as to be alert about your possessions. Adjustments may have to be made to our retirement accounts since you wish to want to make the most after tax wealth. As we see fluctuations in stocks and mutual bonds, guaranteed investments are necessary.