Anyone here already have a retirement account set up? What is the percentage of your return? I'm reading this awesome book right now called, "Smart women finish rich" by David Bach. Very informative book so far. He says it should be very easy to find a retirement account that has a 10% rate of return. So far, I haven't found one. I already have an account at T Rowe Price and have been looking at the Retirement 2040 stock. TRRDX is the symbol. Can anyone point me in the right direction? I'm 26, married, and about to have a baby so...I'm trying to plan things out financially, unlike my own parents who didn't think ahead to the future AT ALL.