Investing in "Riskier" Investments

With a long term view established, you can more safely invest in 'riskier' investments, which the market rewards (in general). This requires patience and discipline, but it increases returns and risks. This approach reduces the entire universe of investment vehicles to mostly two choices: stocks and stock mutual funds. In the long run, they're the winners: In this century, stocks beat bonds 8 out of 9 decades, and they're well in the lead again.