Despite a bumpy stock market, Fidelity Investment says average 401(k) balances were $80,000, that's up 10-percent during the second quarter. 

Average 10-year 401(k) investments rose to more than $200,000.

However, unrest in Syria has stocks sliding again, as worried investors brace for September.

“It just depends on what your risk tolerance is,” says Jack Swanda from PM Financial of Omaha.  “If you're close to retirement in the couple of years, you probably shouldn't be fully exposed to that volatility anyway.  If you're 25 or 30 years old, just hang on to them for the ride.”

Swanda tells KTRH News that taking the long view is always best unless you absolutely need the cash to pay for things like a child's college education. Otherwise, he says try to save 10-percent of your income each year to better position yourself for retirement.

A $1 million dollar nest egg is still preferred.

“Really just depends on your lifestyle, and what kind of lifestyle you want to lead during retirement,” he says.  “If you want to retire with $1 million, that would be an income of $45-50,000 a year, and for some people that's still not enough.”