What Smart Investors Know Savvy investors take the time to separate emotion from fact. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Investments You’ve made investments your whole life. Work with us to help make the most of them. Your Shifting Risk Tolerance Time and market performance may subtly and slowly imbalance your portfolio. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer.