In our hectic lives, balance is something many of us strive to achieve. From work-life balance to finding balance in your yoga class, we’re all looking for a little more of it.

In terms of planning for the future, have you thought about ways to balance your retirement portfolio? These 3 practical tips will make sure you’re not putting all your financial eggs in one basket:

Take advantage of employer offered programs. Many employers not only offer retirement savings programs like 401(k)s, but many will match a certain percentage of your contributions. Not participating in this program is like leaving money on the table. It’s important to balance more risky decisions with reliable ones like a retirement savings program.

Not relying only on Social Security. It’s no secret that Americans are questioning the future of Social Security. The problem, however, is that 2 out of 5 boomers think they will get more money from Social Security than the average monthly payment, according to a recent study conducted by the IALC.  Social Security might not be enough to get you through retirement comfortably, so it’s crucial to remember to supplement with other retirement products.

Look into other balancing options. As you balance the risk in your retirement portfolio, consider a fixed indexed annuity. These products offer low risk, guaranteed income and protection for market ups and downs.