You have a full life balancing work and personal commitments. Yet, your future depends on how well you save and invest so you can afford to retire. Investing is not something you can do by the seat of your pants. Every time something goes wrong, it can delay your future plans by years. You don't want to take on another life commitment like becoming an investment expert. The MOAA Investors' Manual is here to help you better understand and manage your investments. PREMIUM and LIFE Members may speak with MOAA benefits and financial counselors for further assistance.