A $1 million retirement portfolio might sound like a dream to many.

Just 3.2% of Americans managed to save at least $1 million in their retirement accounts by the end of last decade, according to EBRI estimates based on the latest Federal Reserve Survey of Consumer Finances. They don't know anything special the average person doesn't, and most don't have access to any special savings plan that allows them to save more in their 401(k). But there are a few simple secrets that allowed them to reach the $1 million milestone.

Here are three secrets of 401(k) millionaires.

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Source Fool.com