<prompt> Human: Hey PF,Id really appreciate some advice on my moms retirement strategy. I sat down and had a talk with my mom 52 years old about her retirement, and I found out that she has practically nothing in her retirement account. Shes looking to retire in 10 years, but I really dont think shell have the means to retire comfortably if she trends at her current rate. To make matters worse, I believe a majority of her retirement contributions are going towards government bonds, which I know yield on average 2-3year. My question is this: how should my mom diversify her portfolio such that she can at the very least better her situation when it comes time to retire? More specifically put, what can she do so that risk is minimized, yet the yields are still decent? I know stocks are most aggressive, and its usually what younger age groups focus on and as you get older, you focus on safer investments such as bonds. TLDR; how should my mom diversify her investments such that she can be in a better position when she retires in 10 years?EDIT: Thanks everyone for the responses, I really appreciate the help! There seems to be confusion, so let me rephrase - Im aware that shes pretty much screwed for retirement unless she increases savings rate. My question is what can she do to mitigate downside as much as possible? Is bonds the way she should be going? Or should she be getting into some indexes or stocks? What percentage would be ideal for someone in her situation? Thank you again!  <response>: at this point there is not much you can do, even if you invest all her savings and get completely unrealistic 10 return each year she will just get slightly above 50k before any taxes that may apply.This money may be enough for 2-3 years of retirement but not more.If she wants to retire in 10 years or less she needs to boost the savings by thousands each month while decreasing all expenses to the bare minimum.There will be no retiring comfortably for her anytime soon unless she has other paid of assets. 