She recommends for those wanting to take more risk, investing in stock and investment based Junior ISAs that pay dividends.

BBC: The frustration of the Junior ISA

Even huge companies such as Microsoft represent less than 5% of the overall market, the weight at which investment consultants start worrying about stock-specific risk.

ECONOMIST: Fund management: Indexing the globe | The

The buy and sell recommendations I post here come from the EVA Dimensions stock-ranking system called PRVit, for Performance-Risk-Valuation investment technology.

FORBES: How The PRVit System Ranks Stocks

While employers' 401(k) plans are subject to punitive regulations, lest they allow you to take on too much "risk, " employers are allowed to offer their own stock among the investment options.

WSJ: Five Really Dumb Money Moves You've Got to Avoid

Foreigners are going the other way, recognizing that aging shifts the world's largest per capita stock of individually owned assets toward better housing, more consumption and greater risk-appetite for investment opportunities.

FORBES: Back In Business

All-told, maybe these themes are the backdrop to investment activities on stock markets declining as volume drops off and saving must rise, but not saving ast risk as in stock market activities.

FORBES: The Economic Equivalent of Tunisia-Egypt-Libya-Yemen-Syria Et Al.

One research company that has created a stock screen of dividend-growth stocks is Value Line, whose list includes stocks that are comparatively low-risk investment choices.

FORBES: For The Wary Investors: Five Growth Stocks With Solid, Rising Dividend Yields