Enroll in the 401(k)
. Most major companies that offer 401(k) plans match a percentage of your contributions. Typically, these matches range from 25% to 100% of your contribution, up to 6% of your salary. Even if the match is at the low end, that's an immediate 25% return on your investment, says Ted Sarenski, a certified public accountant in Syracuse, N.Y. "You're not going to get that kind of return anywhere else."
In addition, the money that you contribute to your 401(k) is excluded from taxable income. Once you take the tax break into account, a 6% contribution "only feels like 4%," says Sheryl Garrett, president of Garrett Planning Network.
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: 5 Costly Retirement Surprises 10 Things You Must Know About Social Security 10 Most Tax-Friendly States for Retirees The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.