Which is better to invest in for retirement?

A money market account or a mutual fund that has both stocks and bonds? Why?

Watch out for spam and annuities.

Money Market accounts at this time are a poor investment

because the interest rate is very low. Less then 1%

It has been proven that a good mix of stocks and bonds

is the way to go. Here are a couple of good mutual funds

that have a good mix and good returns and low cost.

Vanguard Wellington Fund (VWELX)

Fidelity Balanced Fund (FBALX)

Most investors and professionals cannot even beat the market index. Stick with an index-based mutual fund, such as, FUSEX (Fidelity Spartan 500 Index Fund). It tracks the S&P 500 Index and charges just 0.10% per year, which is as low as it gets.

Most advisors suggest that if you are under 50, stick with a mix of 70% stocks/equities and 30% bonds. As you approach retirement, your mix should move toward mostly bonds.

Personally, I have nothing in bonds and don't plan to put very much in bonds ever. But that's just me.

As we all know that :- Retirement is one of the most important life events many of us will ever experience. From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. Even once it is reached; managing your retirement is an ongoing responsibility that carries well into one's golden years.

There are lots of Retirement plans that can availed by you according to your need, like:-

LIC Jeevan Akshay 6 Plan, HDFC Immediate Annuity,Met Life Deferred Monthly Income Plan, SBI Life Annuity Plus, Bajaj Allianz Pension Guarantee Plan, Birla Sunlife Dream Life Plan, Kotak Lifetime Income Plan, Tata AIG Easy Retire

I prefer Exchange Trades Funds ETF's. You can sell them at any time the market is open.

Which is better to invest in for retirement?

A money market account or a mutual fund that has both stocks and bonds? Why?