Instead of focusing on mutual fund picking, people investing for retirement should just make sure they stay with a 401(k) savings plan, Reuters reports.

Citing a joint study by the Investment Company Institute and the Employee Benefit Research Institute, Reuters notes that workers can contribute up to $13,000 in tax-deferred money to 401(k) plans, and including all sources like employer matches, they can put up whatever is less between $41,000 and 100% of salary.

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