11.   As more investors need protection, the SEC has made munis its top priority.

12.   As with any emerging market, investors also need to be aware that accounting standards and investment regulations are evolving.

13.   At the least, investors need to know what they are buying.

14.   Bank CDs and Treasury bonds deserve a place in a portfolio, but younger investors especially need to take on risk to beat inflation.

15.   Before taking too much heart from these statistics, though, investors need to consider a few caveats.

16.   Benchmark bonds trade at a premium to others of similar maturity because they are traded more frequently and can be sold quickly when an investor needs to raise cash.

17.   Because investors need to be compensated for that risk, many analysts still aver, small stocks do return more than their larger counterparts.

18.   BOND INVESTING Stock funds may be getting all the attention, but investors also need to learn about bond funds.

19.   - What American investors need is more chief execs able to make as much money for their stockholders as they do for themselves.

20.   A climate of growth with low inflation should help the dollar by raising demand for U.S. assets and the dollars investors need to buy them, analysts said.