Your Money, Your Future

Quiz: Prepared to retire? Test your 401(k) knowledge

Train wreck. ... Crisis. ... Call in whatever hyperbole you want, but it's not an exaggeration to say that the state of America's retirement is a challenging one.

Americans don't start early enough, or save enough, for retirement. Many don't have access to workplace plans and don't have enough knowledge to take the initiative otherwise. And even employee-sponsored plans haven't encouraged enough saving.

CNBC.com teamed with Morningstar Investment Management's head of retirement research, David Blanchett, to create a quiz that zeros in on the most basic—and important—things to know to get started in retirement investing.

Do you know enough? Find out in less than five minutes (we even put the easiest questions first to help boost your confidence).