Investors face some important decisions.  For those approaching retirement it is a crucial time. There is plenty of advice.  The television commercials, blogs, and email messages include a variety of appeals: Those telling you to buy an annuity to lock in your income, marketing to the fear of market losses, and perhaps playing down the death by a thousand cuts from inflation. Those telling you that you can do better than your financial advisor.  Go on your own!  You have a "feel" for the market. Those advising gold.  Everything is about to go wrong, so you need to have hard assets. Those offering speculative gains.  Here are some stock ideas that are "home-run" ideas, where you can triple your money in a couple of months.  Often these are penny stocks. Any of these strategies could be right --- as a part of an overall plan.  For those ...