Actually, you don't really need to know much to do a decent job investing for retirement. Invest in a low-cost, index-based stock fund and similarly low-cost,

Actually, you don't really need to know much to do a decent job investing for retirement. Invest in a low-cost, index-based stock fund and similarly low-cost, diversified bond fund. Follow one the many simple formulas to decide what percentage should be in bonds vs stocks (usually based on years to retirement.) What I wrote above will easily beat most of the more complicated plans out there especially after factoring in cost. You can of course get more complicated, but you usually only need to get more complicated if you have an awful lot of extra money which most people don't.