Go for stocks
When your contributions are this small, you need to do everything in your power to maximize returns. Consider the above example: If you were lucky enough to get a 10 percent average annual return instead of 8 percent over 30 years of saving, you’d end up with $108,566 instead of $73,408. And when it comes to getting the highest possible average returns, stocks are king. Since 1926, large company stocks have returned an average of 10 percent per year—far higher than most other types of investments.
Above all else, don’t ever scoff at a $25 or $50 monthly retirement contribution. One day, it’ll turn into much, much more!