diversified portfolio

Three Baltimore-area public school employees are splitting a $105 million Mega Millions lottery ticket. But how should they invest their money? Actually, the same way you should invest yours.

More than half of American workers have less than $25,000 saved for retirement, but having too little set aside is just one of many ways you can sabotage your later years. We examine some oft-made financial planning traps -- and the safe paths around them.

Investing expert Dan Solin hears this question frequently: It's obvious the dollar is going to crash, so what can I do to protect my investments? His answer may surprise you.

Many investors are trying to make themselves feel safer in this uncertain economy by jumping out of stocks, buying bonds or even dabbling in higher risks looking for bigger returns. But that sort of short-term strategy could jeopardize your portfolio.

Want to invest wisely? Understand your goals and determine whether increasing your risk is worth the upside. Advisers focus on other things like market predictions and stock picking. Why? An educated investor might not need them if they concentrated on what matters.