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<p>[QUOTE=&quot;Cloudsweeper99, post: 1558680, member: 3011&quot;]Even if money is locked into a retirement plan, you don&#039;t have to sell the stocks on the day you retire.&nbsp; Normal practice is to keep it in a 401k or roll it over into an IRA where the money can be better controlled.&nbsp; In my case, my employer permits employees to select their own investments.&nbsp; There are a couple of basic rules for stock market investing.&nbsp; (1) never invest more than you can afford to lose. (2) never invest money that you need to pay the bills.</p><p><br /></p><p>I agree with you that people who don&#039;t understand investing should not invest in the stock market.&nbsp; But it&#039;s pretty easy to learn - easier than learning to play a musical instrument.&nbsp; Those who don&#039;t want to learn should stick to bank accounts.[/QUOTE]</p><p><br /></p>

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