Americans’ perspectives on investing and retirement have undergone significant changes as a result of the economic upheaval. According to the Principal Financial Well-Being Index, “nearly three-fourths of employees (72 percent) and almost three out of five retirees (56 percent) agree they are very concerned about their long-term financial future.”   To address this concern, The Financial Services Roundtable created “11 things to know about investing in 2011,” a common-sense guide to help American’s make the most of their long-term investment decisions and retirement planning.   “Everyone wants financial security. But many people would benefit from some basic guidelines to help them take the initiative,” said Steve Bartlett, President and CEO of the Financial Services Roundtable. “The ‘11 for ‘11’ represents common-sense approaches and time-tested guidelines for people to consider as they map out their retirement goals or structure their post-retirement investments.”

Everyone wants financial security. But only those who act and are willing to make a few sacrifices now will likely achieve it. Below are 11 tips to help you reach your financial goals by investing.

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