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  Investing for retirement when you're just starting out

  Posted: February 7th, 2012, 10:30am MST

  My granddaughter has asked me how to invest the money she'll contribute to her employer's retirement savings plan at her first job. I suggested she either go with a 2050 target-retirement fund or divide her money as follows: 40% in an S&P 500 index fund, 40% in a small-cap index fund and 20% in an international stock index fund. Do you think she should go with the first option, the second or do something else? -- Don G.