Here's a little VERY valuable hint: Get out of all of the markets, including your IRAs and 401Ks, get out of your CDs and other bank investments, then take all that cash and buy physical GOLD and SILVER and do it NOW! Take the penalties. Keep in mind that when the stock or bond market crashes, it WILL take the whole banking system with it.
(Or you can just ignore me and lose everything you have accumulated in your lifetime in as little as one single day)
Still not convinced? If your investments are not currently getting a 16% or better return, you are already losing money in your savings or investments every day. According to the CPI formula of the 1980s, true inflation today is about 15.5%. The gov't has been changing the formula over and over again, pulling out things like food and fuel prices, or anything else volatile enough to increase the inflation number. The FED reports inflation as 2% so they won't have to increase social security benefits or pay higher yields on treasury notes. Don't believe it? Then why does the 20oz can of green beans at the grocery store now weigh 11oz and costs 150% more? Why are most items on the dollar menu no longer a dollar? WAKE UP AMERICA!