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. Investing is not the same as gambling. That's certainly not how the pros on Wall Street do it. They "insure" their savings, using special "hedging" plays that provide real insurance against a stock market sell-off.

Why shouldn't you do the same?

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