I need to make enough money for my retirement. But I am not excited about the idea of watching the stock market all the time. So I let the management of my mutual fund do it for me.

Since science and technology are the things I love, I have the T. Rowe Price Science and Technology Fund deduct a specific sum from my checking account once a month and invest it in the fund.

They have been outperforming NASDAQ, and that's good enough for me.

The neat thing about this arrangement is that I win both when the share price goes up (the value of my shares grows) and down (my money buys more shares which then continue to grow over the long run).

I grew up in a Communist country, and now I'm a big capitalist (well, a small one for now, but I'm getting there).