rational investment decisions but their decisions are usually influenced by several factors and restrictions; emotion, beliefs and biases, for example. Those factors and restrictions cause investors to
?Preparing for Happy Retirement? to urge those at working and near retirement ages to realize importance on preparation for financial as well as mental and physical health prior to beginning of the new stage
mutual fund. Such factors include emotion, personal belief and attitudes toward different channels of savings and investment. For example, some investors prefer low risk, principal guaranteed investment