How is your retirement saving plan going?
I guess most people have common problems, like...
We need to earn more....We need more time to save.... We need better return on investment etc....So, what is yours reason?
Let's forget about return on investment first. With low balance, however high is your ROI also close to meaningless.
To have a huge retirement saving pot, you should target to increase your saving amount rather than your ROI. It happens only and only if you actually put money away, in a disciplined and serious manner, for years. Then let the compounding effect works on it.