We know: You want to pick a home-run stock, cash out at the top and - bam! - enjoy an instant retirement.
Unfortunately, it rarely works out that way. The good news, however, is that smart retirement investing is actually much, much easier.
The key is having the right mix of stocks, bonds and cash. The mix of those three asset classes is known as your "asset allocation." Pick your asset allocation wisely, and it will do the work for you.