 TITLE: Should I Buy Life Insurance or Stocks? CONTENT: When It Makes More Sense to Invest in Stocks\n--------------------------------------------\nLike anything else, stock investing has its benefits and drawbacks. It might be right for you if:\n*   **You've got a high tolerance for risk.** There's no such thing as a guarantee when investing in stocks. Company performance and economic conditions, among other things, can all influence stock prices. Stocks are inherently risky because there's no protection against loss, and market volatility is par for the course, particularly in the short term.\n*   **You're after a better return on your investment.** Portfolios consisting of 60% stocks and 40% bonds have produced an average annualized return of around 10% over the past decade, according to investment research company Morningstar. That doesn't guarantee future performance, but with that kind of average return, it's an investment worth considering.\nIf you're contributing to a 401(k), you're already investing in stocks (typically in the form of mutual funds or ETFs). Before you open a separate brokerage account or try your hand at day trading, however, it's wise to first make sure you're on solid financial ground. This means:\n*   You manage your monthly budget with ease.\n*   Your credit card debt is minimal.\n*   Your emergency fund is going strong.\n*   You've started saving for retirement.\nYou may not have to choose between buying life insurance and investing. The two can play different but equally important roles in your long-term financial plan. No matter what, you'll want to establish a strong financial foundation. This goes hand in hand with your credit. Checking your credit score and credit report with Experian is fast, easy—and free. END