Can anyone give me advice on investing my money?

I am a 33 year old female who has been putting money away for 5 years now. I used to invest via JOHN HANCOCK using a 401k. Now my employer has swithed to FEDELITY. Now, I need to put my money somewhere? The question is WHERE? I need to make an investment election to direct how contributions made to my retirement plan account should be invested. I know nothing about CD', IRA, Mutral Funds, Bonds...etc? What do you suggest would be the best place to distrubute my money. I plan to retire in my mid 50's. Can anybody help? Thank you in Advance

Diversified mutual funds, investing in domestic and international stocks, are safer way to invest.

You can open you own brokerage IRA account with Fidelity or other brokerage companies, and buy no load (no fee) mutual funds.

You can have a mix of aggressive, moderate and conservative mutual funds. Since you are young and have 30+ years to retire, you may consider aggressive portfolio.

There are financial planners who manage IRA accounts for a fee.

Put your money in a safe box in the bank a yrly rate or cd's but they don't make much anymore

Fidelty offers "target retirement date" accounts. Just find the one with the year cl;osest to your target retirement account.

If you want to retire early, you better be maxing out your contributions. You should also be investing very agressively.

If I were trying to reach that goal, I'b be putting all of it into stocks. I'd split it between small, medium, and large cap. I'd also invest a lot in the international fund.

Well a CD is a "timed deposit"-you put a set dollar amount of money away for a time period and will get a certain guaranteed return. Anywhere for 3-5% right now.

Right now, my suggestion is to meet with you bank's financial adviser (it's a free service) to review your financial portfolio.
You do NOT want to put your 401K (pre taxed moneys) into a traditional banking product. When you do that, you are taking an income and will get hit with a huge tax penalty.

Mutual Funds are great. I love them. I have a few with TD Ameritrade and Fidelity. They are basically groups of about 100 or so different stocks. It's nice because even though 50 companies may have a bad run on the market, the other 50 or so may have a great run. In you 30's, mutual funds are a great investment vehicle. They're a bit on the higher risk end, but still not too risky.

Like I said, meet with an adviser, they will help you out and build you a financial map if you like.

No one can do it better than you, yourself. Anyone can learn how to trade the financial markets profitably. You don't need to be an expert. It can be just like playing any computer game.

Free online training is available on this site -- http://finance.groups.yahoo.com/group/cu...

Manage your own money, in a retirement account. Learn how to invest in the market. I think a safe thing to invest in is in oil or precious metals, for the long haul, which is what you are looking at.....22 years or more. Their value will probably beat other rises in other stocks due to the world demand.

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