Totally agree @thefinanceguy. One of the things I have found worked well for me has been investing in IPOs and real estate. A lot of discretion is required in where and what you choose though as you can lose out. In Australia employers contribute 9.5% towards retirement savings. This is great but cannot be relied upon to help you retire comfortably. I think saving and then investing 30% gives a person an incredible life within 10 years. Compound interest is the most powerful ally you can have!!