If you don't feel that lucky, consider investing through index funds, which aim to meet, not beat, market performance. Of course the part that no one likes about diversification is that some of your investments will be losers at any given moment. The tech stock debacle of the last several months wiped out the investments of many a family hoping the high-stakes gamble would result in a bigger home or a more secure future. Remember, money is merely a tool that can provide you with comfort, security and freedom. To use this tool properly, you must first set goals and then determine what type of investments best suit those goals.
Stocks are simply too volatile to finance wants and needs that are only a few years away.
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