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If your retirement nest egg is not big enough, or if you think it might not be,
you can't afford any speculation or gambling in hope of beating the odds. If
you lose any of it, your retirement could be less enjoyable. If you don't need
to gamble, then don't do it by putting your retirement at "risk".
On the other
hand, if you have more than enough and you like to take chances with
investments, then enjoy the art of investing knowing there are risks. Also, you
need to consider all your options and make sure you're getting the best mileage
for your money. Of course, if keeping your money any place except the bank is
going to keep you from sleeping, then you have no decisions to make and you'll
need to be content with lower rates and sluggish growth without tax deferral.
Remember, you're responsible for your lifestyle in retirement and you need to
manage your money wisely, look before you leap when committing your money to an
investment, and take steps to stay healthy and happy.
"Managing Your Retirement Money" is a treasure trove of common sense for the retirement-minded.
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