IRA Savers Stuck With Stocks   Published November 14, 2011
Seasick savers enduring stock market waves are ready to jump
ship.  But if your retirement is decades away, a stormy and
somewhat unpredictable market is still your best bet. Gow-Cheng
Huang, Ph.D., a professor of finance at Alabama State
University, offers this investing advice for savers trying to
stay afloat.  With the current economic situation, how safe are
individual retirement accounts?  It depends on what the IRA
funds are invested in. If the IRA funds are invested in money
market instruments such as U.S. Treasuries or bank CDs, the IRAs
are safe. On the other hand, due to the current economic
instability globally and domestically that causes so many
fluctuations in the stock market, IRA funds invested in stocks
or stock mutual funds are riskier.  Are there any best practices
to adhere to when investing in an IRA?  It depends on time
horizon and risk tolerance. If your IRA investment is for long-
term goals and you can tolerate risk, an IRA a