Option A:	$12 per month - All you can Build: A monthly subscription to ShareBuilder that entitles you to unlimited purchases of stock for just $12 per month.*
Option B:	$4 Pay Per Transaction: You pay only $4 per recurring or one-time purchase*

Some of us, who are in most other ways perfectly normal people, are so paralyzed when it comes time to decide What To Invest In that we end up investing in nothing at all. Or, we spend countless hours weighing the odds of how one stock might perform against another, and in so doing, miss the boat entirely.

That's why it's important to think about your overall financial picture, before getting bogged down by the details. Will your boat float if you run into rough financial markets? Is the structural engineering of your investment plan sound enough to weather the inevitable storms?

This big-picture planning is known as asset allocation. It's basically the proportions of your liquid assets and how you divide them into different asset categories. Using ShareBuilders "PlanBuilder," you can answer, for yourself, a few simple questions about your investing style, and then select appropriate stocks, closed-end bond funds, and index funds based upon your own asset allocation model to build a diversified portfolio

Investment allocation typically breaks down into three general categories: stocks, bonds, and cash. So how do you decide how much to put into stocks, how much to put into bonds, and how much to leave in cash? It's fairly easy, as long as you have a handle on what your personal risk tolerance is and know whether you're more likely to be a short-term or long-term investor. (Need your money in less than a year? You're short-term. Can live without it for more than 5 years? Congratulations, you're a long-term investor. How much risk can you stomach? Do you lie awake nights worrying that your investments are losing money-or, do you worry that you're not leveraging your potential for gain? These are the kinds of questions you should be asking yourself in evaluating your financial plan.