Diet

Assets in retirement accounts will not affect your child’s prospects ... If your child is earning a small amount from working, a Roth IRA can be a great way to invest unspent income. • IRAs can even be a secondary source of college funding.

If you are unsure about how to invest your retirement assets these days, the professionals who do this for a living share your pain. Low interest rates make finding safe returns very difficult. Market volatility is distracting, if not downright scary.

The West Virginia Investment Management Board has $13.2 billion in state retirement money and other assets under management. It's no surprise that the board's portfolio seems to contain a little of just about everything listed on the major stock exchanges.