Most people don't want to "take chances" with their assets as they near retirement. They tend to become more financially conservative because they want to feel secure in the knowledge that their assets are "safe."

However, when you consider your Social Security benefit and any 401(k) company investment plans you may have, a large portion of your retirement assets may already be tied up in conservative investments. As you plan for retirement, remember, you don't know how long you're going to live after you retire. So, in order to keep up with the shrinking value of the dollar, you should consider investments that will continue to offer you the highest rate of return possible.

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