Mission: Wealth-building, Strategy - Today's Best Equity Selections

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By understanding what the hedging markets are saying, we have the means to measure whether what they have said in the past has provided any useful future price guidance. To that end, we have collected, live as they occurred over the past decade-plus, over 7 million daily price range forecasts on some 2,000+ stocks, ETFs, indexes and REITs. Some of them are no help. But many of them are, in many cases, a lot of help when the results are compared with the norms of "long-term investment." Instead of laboring for decades with 9-10% annual rates of net investment returns, time-efficient, disciplined, active investment management can, and does usually, produce multiples of those kinds of net annual rates of portfolio returns, often with smaller interim declines in overall values. Less angst and worry. Here are some specifics on current candidates' prospects (click to enlarge) These are not the top ten stocks for all time, they are merely ten of the best from dozens of stocks and ETFs at this point in time and price, in a comparison based on several criteria. The principal concern is over which ones have the greatest likelihood of adding value to a portfolio in the next few months at a competitive rate of gain while encountering the least likelihood of interim substantial decline in value.

Building wealth: Best moves if you're 25 to 34

4% for bonds. Get an age-appropriate mix with the target-date fund in your 401(k) or MONEY 70 picks Vanguard Target Retirement 2050 ( VFIFX ) or T. Rowe Price Retirement 2050 ( TRRMX ). 2. Go for a Roth 401(k). The Roth advantage: You save with after-tax dollars, so, unlike a regular 401(k), you won't pay income taxes on withdrawals. That's a good deal if you'll be in a higher tax bracket at retirement, as is the case for many young investors. Four in 10 large plans now offer a Roth option, Aon Hewitt says. To hedge your bet on future tax rates, split your contributions between a Roth and a pretax 401(k).

Stages of Wealth Building

On the other hand, we may also be incurring significant new expenses, too. Things like homeownership , cars, marriage and even children inevitably make a big impact on our finances. Be realistic about your new financial demands, but don't lose sight of the foundation you need for your next stages of wealth. Invest in your career by expanding your skill set and networking with industry leaders so you can keep abreast of new developments in your field. Also continue to invest in your company's retirement plan and budget your spending wisely so you can build a savings cushion.