Hi Everyone,
I must say that I was surprised to see a Soberfool! I am a female, 45 years old who just got into the workforce 2 years ago. When I quit drinking, I wanted to do something with my life so I went back to college and earned a Bachelors degree. I currently work with juvenile felons in private industry. The pay is just OK and I am able to sock away about four to five hundred dollars a month to savings/retirement.

I realize I am way behind many of my peers in both experience and retirement savings and this has me concerned. I currently save 10% of my income (not yet matched by my employer but will be soon) to my 401b plan. In a Scottrade account, I also have stock in abxa, ftek, trbr, and bni. Also shares of a PAX world fund.

My question is, what would be the best way for me to start saving for my retirement? I was thinking annuties or mutual funds. I dont want anything else high risk.

Thanks and peace,
Joy