At Compass Investors, we’ve spent decades reminding readers of the magic of compounding, and how much (both in dollars and years of retirement) one can gain by starting to save early.

But we’ve also argued that successful retirement savings doesn’t have to be that hard—whether it’s the math or the financial sacrifice. Unless you’ve got money coming from another source, it’s unrealistic—and we think, unnecessary—to sacrifice the kind of personal income Robert Lawton thinks we must to guarantee our retirement future, and as our calculations show, even those who follow his advice might still come up short.

Once again, the concern is the return. Take YOUR COMPASS™—our proprietary Retirement Outlook Calculator—out for a spin and see where you stand.

If you’re not a subscriber, find out more at and sign up for our no-risk trial.

If an active 401(k) investing approach such as HORIZON™ is not yet available at your company, please contact us to learn how to incorporate such an alternative into your overall retirement saving strategy.