Finding a good investment manager can be very difficult; ____, it is not impossible. ____ some may talk the talk, it is important to look at their experience and references. ____, the ability to listen to the client and consider his/her concerns, ____ ROI, risk management, and market volatility must also be taken into consideration. Many older people don’t want to invest in high risk companies; ____, they prefer to invest in bonds or commodities like gold or silver. Younger people, ____, aren't afraid ____ that they could lose all their savings. There is always more risk investing in the stock market; ____ it remains the majority of investments. ____ of what you choose, some believe that it is better to invest your money, rather than leave it in a savings account, ____ the low interest rates.

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