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If you are young and have an appetite for risk, invest more heavily in riskier assets (stocks) which are expected to have better returns ever the long haul.
8. Invest in mutual funds unless you have the knowledge required to operate your own portfolio.
9. As you get closer to retirement, scale back on your risk and start to invest more in less risky assets...
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Bonds are not always less risky than stock. Start saving as soon as you can.
11. If you are purchasing an annuity at retirement, be certain your funds are fairly liquid as you approach your desired retirement date.
12. Start to learn about investments so you will be more sophisticated and have a better understanding of the possible choices and implications of those choices...
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