Investment decisions are far more about the goals, life situation, and risk tolerance of each individual and family than about putting your bet on the right horse. How can we decide how to invest?

By Mark D, Harris

The American economy is struggling. Inflation is worse than at any time in the past forty years and the stock market has lost a quarter of its value since January of 2022. Retirees, many on fixed incomes, have lost $3 trillion in the same time.[1] Many are struggling just to get by. Necessities like food, fuel, clothing, shelter, and often health care, slip out of the fingers of millions of our countrymen.

Simultaneously, inflation is 9.1%, and the average interest on money in savings accounts is less than 1%. This means that in terms of purchasing power, savers are losing over 8% on their money.  For example, one hundred dollars in a savings account now could rise to $101 one year hence, but would only be able to buy $93 worth of goods and services.

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