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Question: I know target-date retirement funds have management fees, but they buy other funds (which have their own management fees). So how can I tell the total amount I’m being charged? –Lee Gehrmann, Long Neck, Del.

When you stash your cash away, you probably don’t give that much thought to the risks involved. After all, it’s safe, liquid cash - not shares of Lehman Brothers.

How bad is this bear market? Out of thousands of offerings, only one mutual fund focusing on U.S. stocks is up this year. You read that right - one!

Are emerging markets a bargain right now? The instinct is right, as developing-country indexes have taken a serious thumping this year. Year-to-date, Argentina’s main index is down 51%. China’s is down 63%. Russia is down 68%. Overall, the MSCI Emerging Markets index is down 52% year-to-date, versus *just* a 34% drop for the S&P 500.

Imagine that the Man Upstairs is really, really pleased with you and has decided to make you fabulously wealthy. How would He do it? The simplest way would be to give you a bunch of no-brainer opportunities to make a killing on stocks and bonds. Then He’d put on this earth a host of suckers willing to take the opposite side of your bets.

Even in a down economy, a traditional pension is the safest kind of retirement account.

TeRon Lawrence, 37, sees opportunity in the recent stock and real estate market turmoil. In fact, he sees a lot of opportunities.

I may write about retirement for a living, but that doesn’t mean I like seeing my 401(k) crater any more than you do. Given what’s been happening in the market, I sometimes catch myself thinking how great it would be if my financial future weren’t tied to something as volatile as Wall Street’s mood.

In tough times, consumers are looking to stretch their dollars. Here are six simple ways to save thousands.

Given the recent wave of lay offs, people around the country are contemplating their next step. Hiring has slowed. Job seekers are taking an average 4.5 months today to land a new gig, according to the Bureau of Labor Statistics. So more adults are thinking now is the time to return to the classroom.