Lead: If you have a 401(k) or other voluntary retirement plans at work, are you making the most of it? You will be, after some helpful advice from Bankrate.com.

Voice over 1: If you want to retire in style, you’re probably not banking entirely on Social Security.

SOT: “401(k), Roth IRAs and then pretty much personal investments.”

Voice over 2: So putting money aside is important … but that’s not all you’ve got to do. Because once the money is saved, it’s still got to be invested.

SOT:” I guess American Bond Fund, Washington Mutual … I mean all sorts. I have mine divided into five different major categories.”

Voice over 4: If you feel a little lost when it comes to your company retirement plan, here are a few basics: First, if your company offers its own stock as an investment option, just say no. That’s too many eggs in one basket.

Voice over 5: Second, keep your plan simple. You don’t need more than a few investments.

Voice over 6: Along with a bond and money market fund, almost every expert will suggest you have some money in stocks. But how do you decide how much?

Voice over 7: Here’s one simple rule of thumb: Subtract your age from a hundred. Put that percentage in your stock account. Divide what’s left between the money market and bonds.

Voice over 8: Finally, review your account every now and then and adjust it if necessary. Could be every quarter, could be every year. But do it.

Standup: There is one more thing you should think about when it comes to your retirement plan … fees. For Bankrate.com, I’m Kristin Arnold.