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GOBankingRates spoke with two investment experts to get their top picks for helpingGen Z set up a comfortable retirement.

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The Gen Z cohort has a very long investing time horizon.

Roth IRAs: The Tax-Savvy Choice

This is an absolute no-brainer with tax-free growth, he said.

Thats the MVP of retirement accounts.

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That is free cash, plain and simple.

Contribute enough to get that full match and max this thing out.

Real Estate: The Long Game Winner

Real estate is your long-game strategy, Mendenhall said.

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It might not be the flashiest asset in the short term, but its a beast regarding long-term wealth.

Buy a property, rent it out, let someone else cover your mortgage and watch your equity build.

Okay, I know youre hyped on crypto, he said.

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And hey, its cool.

Its like playing offense.

It can give you huge gains in record time.

But heres the thing: Dont go all-in on crypto.

Make it your wild card: max 5%-10% of your portfolio.

Investing for retirement isnt about getting rich quick its about makingsmart, consistent choicesover time.

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