text:  Let's say you put money in at age 50 and you're going to retire at age 60. Well, that 10-year time span, this money keeps growing. And you can invest it in various mutual funds. I generally select for most people, and it's different for everyone, but on average we're going to have 25% in the Standard & Poor's 500 Index, 25% in T. Rowe Price Growth, 25% in American Funds Growth, and 25% in maybe a growth and income plan.