3 Stocks To Invest In Today That Could Have The Biggest Returns In Retirement

The sad reality is that a mere 16% of Americans today are ready for retirement with over $1 million dollars in savings, per a CNBC survey reported by Yahoo! Finance. Many, if not most, Americans require this amount at minimum in order to be able to retire comfortably. If you are in the majority of Americans who are woefully behind on savings, there are three company stocks that could dramatically turn your future retirement situation around now.

MicroStrategy is a legacy business built on analytics and data mining. For years the company strove to keep up with big-name competition like Salesforce and Microsoft. In 2020, it threw all caution to the wind by investing heavily in Bitcoin. At the start of 2025 MicroStrategy held 446,400 of them with a value of around $41.8 billion. This equates to almost half of the company's total $85.8 billion value.

MicroStrategy has two plans going forward. First, growing generative AI tools and cloud-based subscription services in an effort to combat shrinking on-site software sales. The second and now main idea is to issue additional stock and take out more loans in order to expand future Bitcoin purchases. This means that MicroStrategy stock is fast becoming an all-in investment play on the leading global cryptocurrency. Founder of the company Michael Saylor thinks BTC will jump to $13 million in the coming two decades, an over 13,700% gain, according to the Yahoo! Finance article.

A second aggressive company bet is Lumen Technologies. The telecom corporation started life as CenturyLink. Until only a year ago, revenue was dropping, losses were steeply growing, and dividends had been cut. The firm skipped the high-growth wireless rush.

It instead chose to pursue business and residential wireline markets with an aim of using its size to generate steady cash flow. The plan collapsed as deteriorating hard-wire line sales weighed on the growing fiberoptic division for consumers. Lumen's stock bottomed out at $1 in June but has since recovered to around $5 per share.

The company saw its fortunes dramatically improve after gaining new Artificial Intelligence infrastructure contracts worth billions of dollars with cloud software giants like Microsoft. This has given the sinking business landline division new impetus. While analysts believe that the annual revenue at Lumen will decline for another two or more years, they anticipate that company growth will pick up after longer term AI infrastructure deals impact the bottom line. At only two times its current year sales, Lumen possesses an enterprise value of just $22 billion. If the focus on wireline services makes it into an indispensable AI infrastructure provider, the stock could pay investors handsomely.

For believers in the emerging eVTOL market, Archer Aviation is a leader in the rising electric vertical take-off and landing aircraft technology space. The company's eVTOLs already accommodate a pilot and four passengers traveling as far as 100 miles on a charge at speeds up to 150 miles per hour. Archer aircraft's big appeal lies in its key characteristics of being quieter, cheaper, greener, and simpler to land in populated areas than traditional helicopters. It makes the company a viable short-range air taxi service.

Archer Aviation is reaping the rewards of being a first mover in the market thanks to contracts inked with big names like United Airlines, Soracle, and Stellantis. It is already building eVTOLs for both Future Flight Global and the U.S. Air Force. While the company delivered its first crafts in August to the Air Force, it has goals to build 10 more in 2025, another 48 for 2026, 252 for 2027, and 650 more for 2028. The firm may also start up its air taxi services for the United Arab Emirates in 2025.

The company has a hefty $4.8 billion in enterprise value. This comes in at 131 times 2025 year sales. According to Motley Fool, the hope is that it will deserve this high valuation when it achieves its aircraft delivery targets and increases its lead over the nearest competitors in the niche market. It could potentially deliver the kind of returns seen last decade by tech heavyweights Google, Facebook, and Netflix over the coming decade.