Kiplinger

When It Comes to Retirement, Look for a Plan, not a Pitch

Imagine you have a big bucket of cash and three friendly acquaintances are offering to take care of it for you.

The first one tells you he can take the money you have and use it to make even more. But to get a bigger reward, you'll have to take some risks. And if you need to get some of the money back at an inopportune time, you could lose a chunk of what you've earned.

The next one assures you she can absolutely keep your money safe, and you can have some control over when and how you access it. But any growth you might see is likely to be slow -- so slow it

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