Do not try to outperform the markets
A sane way to invest your retirement savings would be to buy an index fund. Index funds are an excellent and proven way to grow your investments without the challenges of indulging in active trading. Trying to beat the stock markets can spell danger for a pre-retiree. Research shows that from 2012 to 2017, an astounding 84 percent of professional money managers failed to outperform the benchmark indices.