On the surface, it might not seem like mountain climbing and saving for retirement have much in common, but at their core there are several commonalities between the two tasks. For starters, both can seem like insurmountable feats at times. In addition, both require a certain level of preparation for the experience that lies ahead. The good news is, as you make your way up Mt. Retirement, you’re not alone – we’ve  got a guide to help you plan your ascent:

• Get started! The first “step” in saving enough for a comfortable retirement is enrolling in your employer-sponsored plan.
• Know what type of climber you are. Are you up for an unpredictable adventure or are you more of a slow-and-steady climber? You have to know how much risk you’re willing to take to plan your route accordingly. Whether you’re aggressive, moderate or conservative, choose a strategy that suits your style.
• Keep moving! While it’s natural to feel a sense of unease with market activity, don’t let that uncertainty halt you in your climb. Ceasing your contribution, not enrolling in the plan or making emotionally-based investment decisions can slow your pace and put obstacles in your path. Instead, understand that making progress doesn’t mean moving in a straight line. By investing continuously you’re making steady progress and buying more shares in a down market.
• Fuel the climb. Your contributions fuel your account to climber higher. While you may need to start small due to budget constraints, don’t forget about that contribution! Increase when you can – small boosts here and there do make a difference.
• Get a guide. Don’t try to figure everything out on your own! You’re plan may offer managed accounts, target date funds or risk-based model funds to guide the investment portion of the climb. Your vendor’s website may offer retirement income projections to tell you if you’ve got enough fuel to make it to the top. Check out the resources offered within your plan to help make for a smooth journey.