403 b
 

is not the time to be aggressive when putting my retirement funds into stocks that are more aggressive? i know it's a marathon and not a race but i want to see more grown than i currently see. my company currently contributes 3% a month and i match. i'm only 28 but i'm looking down the road in the long run.

Yeah, at 28 you can easily afford to be more aggressive with the investments in your retirement account. Unless you already have a substantial amount in your account, I would recommend increasing the amount that you contribute to that account. 6% of your income contributed per year isn't going to get you very far. It is nice that your employer is bumping in 3%, but you should consider upping your own contribution to 10% of your gross income if you want to have a happy and easy retirement. Particularly, I would say to go heavier now on your contributions since the stock market is still fairly depressed from the levels it was at 4-5 years ago. Historically, things should be rebounding soon and you will be happier to have put the money in earlier.

Be reasonably aggressive. You're at the lucky stage of life where you can put a fair amount into a retirement plan and have it compound. Remember that there are stages to the stock market, but over the last 50 years it has compounded nicely. May I also suggest that you contact a fee based financial advisor or at least buy an hour or two from a CPA each quarter. They'll help you chart a path towards financial freedom. Good luck.

Most companies, in order to reduce their liability post-enron, have company sponsored meetings with investment advisors at least 1-2 a year. Check with your HR department to see if there is one coming up.