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.