American investors’ confidence and risk tolerance remain low despite the stock market rebound. The 2008 global financial crisis, the dot com bubble burst before that, and a volatile stock market dominated by hedge funds and computerized trading appears to have permanently reset the risk parameters of most older investors. According to a recent study (the AIG Retirement Re-Set Study), the vast majority (80%) of those age 55 and older are more cautious investors seeking lower but safer, more predictable returns.