3 moves to save your retirement fund

When it comes to saving for retirement, it’s natural to think you can never have too much of a good thing: The more you sock away in tax-deferred IRAs and 401(k)s the better, right? Not so fast.

Early retirement: The magic number
Question: I’d like your view on what percentage of pay I should be putting in my 401(k) for retirement. I’m currently saving 15 percent of my annual salary of $74,000 a year, and have accumulated $392,000 so far. There is no company match in my company plan, nor any pension beyond the 401(k). I have another $46,000 in mutual funds and own a home that’s worth about $320,000, although I owe about $95,000 on a home equity loan.

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