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Thats not to say these are bad investments.

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But they might be either too risky or too conservative to help you meet your retirement goals.

Too often individuals are overly conservative with their asset allocations, he said.

Behavioral research indicates that inertia sets in and people are hesitant to change their initial allocations.

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This results in a big opportunity loss to people because of time and compounding.

Individuals need to be taught to invest for retirement and not to save for retirement.

Likewise, U.S. treasury bills returned 3.2% annually, according to Johnson.

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You will eat well by consistently investing in stocks.

Especially when youre young, invest more aggressively to build up that account.

You have time to make mistakes and still rebuild your wealth with decades until retirement.

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MLPs offer tax-deferred distributions and other tax advantages.

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