With all the money going to the top, the super-rich are taking the lion’s share of it.

But how do you make sure your money stays there?

If you’re planning to take the next step up the wealth ladder, it may be time to invest in something other than stocks.

This article provides tips on managing your money to stay ahead of the market.

1.

Invest in stocks You’re better off investing in companies that are growing and are not struggling to survive.

If you’ve been following the news recently, you might have seen how the U.S. stock market has plunged in recent months, which has had a devastating effect on American workers.

For the most part, U.T.O. stocks are in good shape.

But there are some exceptions.

For instance, UTC stocks are up about 25% in 2017, and some of the more volatile stocks like ExxonMobil are up an even more dramatic 30% in the past year.

Some of these stocks are still up more than 50%.

Investing in stocks that are going to grow and thrive will help keep your investment funds safe.

2.

Invest to protect your 401(k)s and IRAs There are several ways you can protect your retirement account, and you should.

First, make sure that your 401k, 403(b), or Roth IRA is protected.

If it is not, it could be that the 401(m) you have set up with your employer is now a risk to your investment.

It’s also a good idea to make sure you’re covered by an IRA that offers tax-free withdrawals.

Investing to protect the value of your 401ks is a good way to reduce your risk of losing money on them.

Invested wisely, a 401k can pay off in a few years, or even sooner.

3.

Invest only in stocks If you need to buy stocks, invest in them only if you have a clear vision of the future.

In other words, if you’re going to buy a stock, you need a good reason to buy it.

This is important if you plan to use your money for long-term savings.

You need to be able to explain why you’re investing in a stock that you think will pay off over time.

And, if a stock is cheap at the time, it’s not necessarily a good bet to invest the money.

For example, you can invest your money in a company that’s trading at a premium over the market today.

If this company gets big in the future, you could be in better shape financially than if you had a big loss.

4.

Avoid investing in certain mutual funds This is another way to protect yourself from potential losses.

If your 401 and IRA have funds that offer tax-exempt withdrawals, then you’re better positioned to manage and protect your investments.

You can always use your tax-deferred 401(K) or IRA to pay off your 401K or IRA.

If, however, you’re only investing in mutual funds, it is wise to diversify your investment portfolio.

This will help you make informed decisions about investments that could be a bad bet.

5.

Don’t invest in any type of bonds If you don’t have a high-quality investment bond, then don’t invest.

While there’s no shortage of high-rated corporate bonds, they’re not always cheap.

Some companies have higher rates than others.

If a company has a high yield, then it might be a good investment to buy that bond.

But don’t just sit back and let a company with a high rate of return buy your bonds.

You’ll pay a higher return for it.

So, be careful of high rates of return bonds.

6.

Invest for growth rather than long-time savings If you have cash on hand and want to save, then investing in long-lasting savings is a smart idea.

Invest your money into low-interest savings accounts.

If that means you’ll have to sell your house or car, then invest in low-cost cash-back cards.

That way, you’ll earn more money in the long run.

If investing in low interest accounts won’t yield the kind of return you’d expect, then consider paying off your mortgage or other debts as quickly as possible.

7.

Don.t. invest in risky investments If you want to invest your retirement money, then keep it as safe as possible and only invest in stocks with a long-run view.

This means investing in stocks for the long-haul and in high-growth companies.

For high-yield stocks, like Apple and Google, you should buy the stock if you think it will pay you off for a long time.

If not, then look for a high return that you can cash in on in the short term.

If possible, buy a company at a discount, rather than a big premium.

8.

Avoid using money from your 401 or IRA for risky investments Avoiding bad