Where to invest US$10,000

SUCCESSFUL investors take risks. The trick is to take smart ones, in a diversified portfolio.

Here's how.

First, make sure you're covered on the financial basics. Then start scouting out powerful places to invest any excess cash that's making you next to nothing in a savings account. With the holidays and perhaps a raise or bonus on the horizon, it's a good time to make that money work for you and your retirement.