A recent survey shows the average American is still hesitant about investing in the stock market since the 2008 recession.
While some people invest in stocks, others are keeping their money wrapped up in things like bonds and gold.
But there are a few key things you can do to make sure your money will grow.
Connie Brezik, President of Asset Strategies Inc. says, "some people were affected to such a great extent that they have residual fear and their emotions get in the way."
Casper resident David Vaughn says, "yeah it's a scam, 401k's are a scam, the stock market's a scam. As long as people want to believe they're going to get rich, I suppose that belief will overpower their good judgment."
For those who are second-guessing the stock market when it comes to investing, there are a few alternatives that may be better suited for you.
Brezik says, "real estate is another option, but you can buy mutual funds that invest in real estate so you're then buying a piece of many different real estate propoerties that way." She says investing helps keep ahead of inflation.
"If you're too conservative, and you stay out of investing, then how are you going to accumulate a pool of assets that you can live on down the road."
Experts say don't let emotions get in the way. You can use the ups and downs ofthe stock market to your advantage by investing on a regular basis.
Casper resident Veronica Sulzman says, "I would like to invest, I believe in the stock market. I believe you can build up your funds for your retirement."
"It's unreasonable to think that the minute you invest, that there will never be an up and down and there won't be any volutility," says Brezik.
And those who turned away from the stock market after 2008 may have missed some big investment opportunities.
"Since 2008 and 2009, the stock market has gone up extensively."
For those who find investing in both stocks and bonds appealing, you can also buy what's called a balance fund, which will invest in stocks and bonds within one mutual fund.
Strategists say you don't need to be wealthy to invest; you could set aside $50 or $100 every month and invest that or accumulate enough for a mutual fund's minimum.
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