the best would be buying properties that offers retirement plan after several years. in this case you can either buy a property for your own use or have it rented for example an apartment then you get monthly earnings or passive income from it. when maturity period comes then you get back the money you spent for the property then endless passive income from it. that's a wise investment that your principal money was saved then earning at the same time. i know a company that offers this kind of retirement plan...highly secured & guaranteed