Despite their rosy returns during the recent rally, these bull-market stars posted big losses in 2008.
Health-savings accounts are the only triple tax-advantaged vehicle in the tax code.
Beware the dangers of complacency, remember the virtues of defensive holdings, and resist the temptation to overreach for yield, says Morningstar's Christine Benz .
Performance, especially, can lead investors to sell funds that they should have hung on to.
Although these conservatively positioned equity, balanced, and bond funds have lagged recently, they should serve investors well in more-volatile markets.
Rules of thumb may be too high for affluent retirees with high savings rates, but health-care costs a major swing factor.
Investors can wring more yield from their cash by using online banks, says Gary Zimmerman, founder of cash-management solution Max.
College remains a good long-term investment, but years of stagnant wages and student debt await recent graduates.
Index funds aren't the only vehicles suitable for taxable accounts, and Morningstar's Russ Kinnel offers three names that can help minimize the tax hit.
Investors should avoid over-engineering an income-only portfolio and consider a total return approach to generating the income they need, says Vanguard's Fran Kinniry.