The impact of missing just a few of the market’s best days can be profound. But investment risk can be scary when the markets crash. So how should you invest?

Most people come into our office not knowing the difference between a stock and a bond, but knowing that they "should be investing." Different people will have different goals, timelines, and risk acceptance levels. Your portfolio (your "basket of investments") should be chosen carefully to weigh risk and return, and avoid fees whenever possible. There is no one right way to invest, but you should always follow a few basic guidelines.