When planning for the future it is also important to keep an eye on ancillary costs, such as commissions. It is also important not to overstate the potential for investment returns and compensate by taking on too much risk. Too many investors rely on the unthinkable when calculating retirement planning and Social Security is not enough. It’s also important to keep in mind the need to avoid losses as they kill returns. It is better to make sub- par returns that than to lose money from mathematical and Tax standpoints. Please share your thoughts?