Investment decisions are generally run on the same issue as the quarterback making the big decision in the big game, risk and return. Are you trying to win the championship right now? Or are you simply looking to stay in the game for a chance to win it later? Decisions based on your sense of urgency and potential are what drive risk and return decisions. What should you think about when making these decisions?

For what length do you expect to be investing?

Those who are planning to invest for something that is 30 years down the road should consider a high risk, high reward type of situation. Contrastingly, those who have a major event right around the corner should look for less risk, even if it means less reward. Money markets and mutual funds are a better choice for those who don