(MONEY Magazine) - The key to improving your investing success isn't changing what or when you buy and sell, it's changing how you think. This special report gives you a three-step approach to investing that will prove safer and more effective--not to mention easier--than what you're doing now.

Step 1

Chill Out Your brain gets excited, and stupid, over the prospect of a big score. Learn to outsmart yourself. > The Thrill Is Wrong, page 74

Step 2

Set a Course Five families discover the secret of investing success--striking the right balance between reward and risk. > Fix Our Mix, page 78

Step 3

Buy Quality, Not Fad "Hot" funds will burn you when they flame out. You want to own low-cost, well-run ones that treat shareholders right. Like these 65. > The MONEY 65 booklet

PLUS 2005 results for 1,000 stock and bond mutual funds. Page 89

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