American families give themselves the best chance at a secure retirement by starting to invest as soon after they start working as possible, according to a study released today that was commissioned by three trade groups involved in the retirement sales industry.

The report, Saving Early – The Road to a Secure Retirement said that investing even small monthly amounts of money in a 401(k) or an IRA early in life can make a real difference in an individual's ability to retire comfortably.

"In fact, small contributions today often matter even more than big contributions down the road," the report said.

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