41.   The question is how to mix your investment choices to get the highest return at the lowest risk.

42.   There is some evidence, from surveys as well as the investment choices of participants in large retirement funds, that investor attitudes have indeed changed.

43.   These individual accounts would be held by the Government but with constrained investment choices available to individuals.

44.   They cannot, however, use the computer to switch investment choices or to borrow from their accounts.

45.   They do this by picking specialized money managers both inside and outside their firms to handle specific investment choices.

46.   They include stock market performance, inflation, your investment choices and whether you can hold a job and get some raises for the rest of your working life.

47.   This is America after all, and every investor is free to make bad investment choices without government interference.

48.   We asked them to share their best investment choices for the new year.

49.   What investment choices should I make, and how much will I need?

50.   We have always managed our own portfolios and have been relatively aggressive in our investment choices.