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It is very difficult for young people to think of retirement, much less start planning for it. Planning for retirement is considered a smart approach to investing, and it is never too early or too late to start investing. There are three components to a retirement portfolio: pension, social security, and savings and investments. Acquire the knowledge of these components to help you compare employment offers upon graduation so that you will make informed decisions in regard to your future financial stability and security.

For more information on retirement planning, please visit the Social Security Administration.

The information about retirement has been drafted from Penn State's Financial Literacy and Wellness Center.