Just remember that you can also invest too conservatively.

But many middle-class American investors "tend to be extremists," either overlooking risk or investing too conservatively.

In practice, though, they tend to invest far too conservatively to take advantage of the gains from investing in the stock market over the long haul.

I also know agents who teach their clients to balance checkbooks, avoid the pitfalls, invest conservatively.

I mean, they can play a handful of years and then, if they invest even conservatively, they'd never have to work another day in their lives.

Many investors lost millions; the Catacosinos brothers said they had avoided losses by investing conservatively.

Still, the most common mistake many retirees make today is to invest too conservatively.

Ms. Parker says she invests conservatively and worries about the day when she cannot get work.

One is the tendency to invest too conservatively.

Therefore they tend to invest conservatively, in assets that will not become wildly out of step with the payments they owe.