Fact: This is a gamble because the odds are that Social Security’s average annual benefit ($20,000 for couples and $12,000 for singles) just isn’t going to cut it as a truly worthy supplement to your pension benefits.

In fact, chances are good you'll need to rely on your own investments to make up the shortfall.

Having a solid retirement plan in place can help you build more security with far less risk of dipping too deeply into your nest egg. Find out more by clicking on one of the links below.

More on retirement planning:

• Plan for a Rich Retirement
• How to Save MORE Than Enough for Retirement
• One Quick Tip Before You Retire