According to the U.S. Department of Labor, some components that might help you enjoy a relatively comfortable retirement include: income from Social Security, income generated by your employer-based retirement plan benefits and pensions (for some retirees), and income generated by your personal savings and investments. The amount you might have available will depend upon the amount you have saved by the time you retire, the annual return these investments may provide, whether your expenses draw on your principal, and your life expectancy, among many other factors.