A national savings dilemma -- Investment return shortfalls -- Bear markets and bad investor behavior -- Getting trampled by the herd -- The high cost of low returns -- Advice about investment advice -- Types of retirement accounts -- Investment choices: stocks -- Investment choices: bonds -- Other sources of retirement income -- Forecasting market returns -- Asset allocation explained -- Early savers -- Mid-life accumulators -- Pre-retirees and retirees -- Experienced retirees.