The benefit of starting early is big: If you put $1, 000 into an account that earns a 5 percent annual return when you're 20, you'll have about $26, 500 by your 40th birthday.

起步早的好处是明显的：如果你在20岁时把1 000美元存入一个帐户，赚取百分之五的年回报，那么在你40岁生日时，你将拥有约26 500美元。

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If you're earning 1.75% on an insured money market account when inflation is 2%, you have a negative real return of 0.25%.

如果你在投保的货币市场帐户获得了1.75%的回报，而同时期的通胀率为2%，你就得到了0.25%的负回报。

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Take this example: you put money into a saving account which gives you a poor return rate but you do so because you are "scared" of losing your money.

举个列子来说：你把钱放进了回报率很低的储蓄账户，因为你害怕损失钱财。

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The median 401(k) account rate of return (not including new contributions) was 24.3% in 2009, compared to a negative 28.3% in 2008.

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If not, Davis says you can go one of two ways: for a conservative investor, one who is not comfortable with the ups and downs of the market, a 401k account can see a low return rate of 2 to 3%, which he points out is often not enough to cover the inflation adjustment for retirement.

FORBES: Connect

Therefore, the advantage of taking a loan from your account is that you will receive a guaranteed rate of return on the loan amount.

FORBES: Should You Borrow From Your Retirement Plan?