Byline: Len Boselovic

Oct. 7--THE TRICK TO RETIREMENT SAVINGS IS MAKING IT LAST: As more Americans take on the job of investing and managing their retirement money, there will come a day when they face an equally challenging assignment: making it last.

Even if they theoretically saved enough to afford the retirement they've envisioned, a lack of discipline, inappropriate asset allocation, market volatility, inflation and other factors may torpedo their plans. Making smart choices is especially critical to those who can't rely on a pension check from their employer.

Advisers say that as a general rule, you won't outlive your money if you limit retirement account ...