Retirement is part of the American dream. Unfortunately, the nation’s financial meltdown is making the act tougher than ever. Social Security alone won’t pay the bills.

Honing in on small cap companies, Jim Nelson of the Penny Sleuth introduces to us five of his favorite penny stocks for retirement.  Jim recommends that we invest like a “one percenter.”

In the depths of a bear market that has carved between $500 billion and $2 trillion from U.S. retirement accounts so far this year, as many as two-thirds of all Americans have stopped contributing to their retirement plans, a new study shows.

And that’s precisely the wrong decision to make at the wrong time. No matter how poorly the financial markets are performing, saving for retirement has to remain a top priority.

“It’s not a time for people to stop contributing,” Diane Young, director of retirement and goal planning at TD Ameritrade Holding Corp. (AMTD), the Omaha, Neb.-based brokerage firm that conducted the retirement study, said in an interview with Bloomberg News. “Because time is money, it’s important to stay on track.”

According…

There are two serious risks to your US retirement plan, says Erika Nolan in The Sovereign Society.

First, the average American is not saving enough for retirement, especially with inflation on the rise. Second, pension schemes are coming under increasing scrutiny from lawyers and IRS auditors.

Add the grim outlook for the US dollar into the equation, and it becomes a no-brainer: You should move your retirement plan to another country before its too late…