Couple's Steady Savings Yield Portfolio That Needs Only Fine-Tuning

In three years, Larry Young will have more time to watch every movement of his portfolio. That's why he's watching it carefully now.

Young and his wife, Shirley, both 52, have spent decades building a well-diversified retirement portfolio, following near-bankruptcy in the 1970s due to a layoff. That's when he started aggressive investing through a company-sponsored retirement plan. Young has squirreled away more than $1 million in a 401(k) plan through his employer, Lockheed Martin (LMT Quote), in Palmdale, Calif., where he is a construction project coordinator.

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