If you are young and working to build a substantial portfolio, stocks are your best bet. If you are middle aged, stocks are your best choice. Even after you have secured a substantial portfolio and are ready for retirement, you need stocks to fuel growth to offset the inevitable rise in your cost of living. The cold, cruel world has always been with us. Our challenge is to meet these reversals head on, by saving and working hard to make this a better world, for ourselves and our families.