What You Know
You know a bit about investing. And if you are like most Americans, it probably goes something like this:
You know that saving and planning for your future is good. You know you have an investment account, and maybe even more than one. Perhaps a 401(k) started by an employer, a 529 for the kids’ college, and maybe a money market or bank CD. You try to plan ahead, putting a little bit away when you can for a rainy day – but it’s hard to be disciplined about it. So, for the most part, you just hope that what you’re doing is enough. And you hope that your money is being managed responsibly, so that you’ll have what you need when you need it.