I hate listening to financial stuff. I understand quite a bit of it, but I would avoid it if I could. I let DH handle this. I am aware of all of the stuff, but I don't have the inclination to watch the market daily and make transactions. I put my $ in a socially responsible fund, so I wouldn't have to deal with it. When the growth wasn't so spectacular, I gave DH permission to pull it out and do the investments himself. It's doubled, so I guess he knows what he is doing.