We buy insurance on our houses, our cars and even on our artwork and jewelry.

But that's not the case with our retirement savings - the money we spend our working lifetimes to amass - the money that will be our sole means of support once we stop working.

With our 401(k)s, IRAs and other socked-away savings, we're content to "let it ride."

That's a reckless and ulcer-inducing investing strategy.

And, as we'll show you in a minute, it's even riskier than most of us realize.

The thing is, it doesn't have to be that way.

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