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These are the biggest myths in personal finance — and they'll cost you if followed blindly

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Canadians get financial advice from all directions, but sometimes even the most common maxims aren\u0027t what they\u0027re cracked up to be. Read on.

Stocks are risky

Stocks can be riskier depending upon how you buy them. If you put all your money into a junior oil stock, there is a greater chance your investment goes boom or bust. An undiversified portfolio can be very risky. If you own 20 or more stocks from different industries or geographies, either directly or through an exchange traded fund or mutual fund, your risk drops dramatically.

CPP applicants may have their own reasons for applying early, but it certainly should not be because they are scared the pension may run dry.registered retirement savings plan

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