1. Have a plan and know where you are going with your investments. If



you don't have a plan, how will you know if you are on track? The

process of creating a plan includes determining your current financial

situation, how much money you want to save, and by when.

2. Diversify your investments. Create a balanced portfolio to help you

stay on track and reach your goals.

3. Beware of get rich quick schemes. If an investment seems too good to

be true, it probably is. Usually the higher the estimated return, the

higher the risk to you. Stick with time-proven ways to grow your

investments.

4. Feel comfortable with your investment decisions. If the risk in your

investments keeps you from sleeping at night, they aren't worth it.

Life is too short.

5. Keep good records and check your statements each time you

receive them. Always question anything that doesn't look right or

that you don't understand. Read the Prospectus thoroughly before

investing, do your research and understand how the fund works and

all applicable expenses.

Investing, if done properly is a key to your future wealth. So don't

forget to include these tips when you invest and watch your success.