I am a really risk averse person. I keep looking at the market and watching it go up and down. I don’t even look at my 401K plan at all. I just let that thing move becuase it has a really long horizon. But this brokerage account might drive me crazy. I have some experience with investing, but it is mostly academic experience. I am going to open this account soon. I think I will focus on index funds and have a highly diversified exposure to the market. I don’t have enough time to research induvidual stocks. Well not enough time is an excuse, but non the less I don’t want to loose money!