That responsibility can be daunting. But don't let uncertainty and indecision paralyze you.
Time is a powerful ally.
That means contribute enough to get the company match. The rule of thumb used to be contribute every penny you could. But some experts are altering their advice since Congress created the Roth Individual Retirement Account, which becomes available next year. All withdrawals are tax free. Rather, spread it among stock, bond and fixed-income funds in a way that fits your goals and ability to tolerate risk.