After reviewing Chapter 11, describe how you would initially start thinking about establishing an investment portfolio and how you would decide which, CD, bond, or securities, or real estate, you might invest. Are you a risk taker or are you very conservative? Do you think the three "Pitfalls" of Investing and Retirement Planning are accurate? Pitfalls 1. Starting too late 2. Putting away too little 3. Investing too conservatively