Many Americans use the stock market–and other investment markets–as a way to build up their nest eggs over the long-term. After all, well thought-out investments in steady, low-risk annuities or mutual funds can produce quite a return over a long period of time, such as multiple decades. However, not all Americans have the discipline and patience to make such long-term investments. It’s not uncommon for some to attempt to outsmart the markets by either trying to predict what an investment will do next or by making risky investments that they hope will payoff in the short-term. This rarely, if ever, works. Rather, it usually ends with a loss of some sorts, which hopefully isn’t enough to derail their nest egg or retirement savings. While it can be tempting to try to approach the stock market like they do in the movies (you know, where they yell “Buy! Buy! Buy!” and “Sell! Sell! Sell!” and then walk away with a ton of money after incredibly risky investment), you really should approach it with caution and a long-term vision. That means focusing on investments that won’t make a splash right away, but rather will provide you with the boost you need to build up your retirement savings for when you will really need it–when you’re retired. Furthermore, don’t even bother attempting to outsmart the market. Just focus on your returns and making investments that are right for you. Now, this does not mean that you can’t change your investments and portfolio from time to time or that you shouldn’t track your investments. Of course, you should unload investments that have become risky over time or are trending heavily downward. However, if your investments are well researched, diversified, and are low-risk, you shouldn’t really have to worry about doing a lot of transactions or changes to your portfolio. As always, if you have questions about your portfolio or want to find better investments strategies, you should speak with a certified financial planner.