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In this series, Tips from the Pros, Money taps the collective wisdom of expert financial planners.

When considering whether to invest your savings and how to invest your savings, you need to ask yourself a few questions, say financial advisers. When will you be needing this money? What are your short-term goals? Is this money you will need within five years? What are your long-term goals? Answers to these questions will help you figure out whether you should be turning to stocks, bonds, or cash.

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