Saving–Investing For Retirement 
Twelve Time - Tested Core  Principles

But, we do believe that the basic concept of building a nest egg is really simple. Determine an appropriate saving and spending level.  Save aggressively -- spend conservatively.  

Saving requires discipline.  Investing requires knowledge and patience.  Saving - Investing for Retirement shouldn’t be gambling or speculation.  The market can be a great place to turn savings into wealth but you are also capable of losing your shirt.

Your primary goal is to maximize returns and minimize your risk in an effort to reach your long-term goal.  It is taking reasonable risks to earn steady rewards.  It’s laying out money today to receive more money tomorrow.  The smartest route to financial security is to develop a plan that allows you to meet your long-term goals,  apply the resources needed to meet them and sticking to them, no matter what twist and turns, ups and downs, that the market will take.  First, invest. Second, stay invested.    

The best way to measure your investing success is not by whether you are beating the market but whether your investments are growing steadily and rapidly enough to get you to where you want to go.

Every successful long-term investment strategy is anchored in a disciplined program of regular savings.  What you save is a choice.  It is something you decide every time you write a check or take out a credit card.  And, if you don’t save a healthy amount each paycheck, it doesn’t matter whether you earn 8% or 18%.