Any advice for the ignorant? Before you do any investing, move your money into your bank's money market fund to keep it from rolling into the next CD. Then, unignorize yourself. Read through the Fool School, http://www.fool.com/school, and the Retirement Planning link below. Then, puh-lease, go to the library and read up on stocks, stock investing, and mutual funds.You did not indicate how long until retirement. The Motley Fools advocate putting your money into an S&P500 index fund if you want to earn an historical 12% on your money, and don't want to fool with investing. Vanguard is usually touted as the cheapest. OTOH, if you want to earn an historical 15% or more, look into Foolish Four stock portfolio.Please remember that if you invest in the stock market or stock mutual funds, there are no guarantees that you will not lose have a 'paper' loss in any year. In the long-run, however, stocks provide the best return.Zev
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