Growing up is scary. Going from not having a care in the world to taking care of everything yourself can be a daunting task. Just paying the bills and buying groceries is enough, but when you start to think about savings and investment portfolios, the adult world can become overwhelming. There’s your retirement fund—known as a 401K—at your job, of course. However, understanding how your 401K makes money can be a little confusing. Once you start thinking about how to invest your savings without help, personal finances can become a formidable proposition. According to NerdWallet, over 60 percent of people 18-34 are opting to use savings accounts to set money aside for retirement. If they set enough aside each month, they may still be in good shape come retirement. But if they invest, they could be significantly better prepared. If you are a risk-averse millennial that fears another stock crash like the mortgage crisis in 2008, technology may have an intriguing solution....

There are ways to access the asset class without investing directly in futures. I recently wrote about how commodities are good for traders, but bad for investors as a useful long-term buy-and-hold financial asset . A broad basket of commodities has given investors lower returns than cash equivalents with higher volatility than stocks. That higher volatility means there will be cyclical swings where commodities see huge gains as well as huge losses. The question many investors should ask themselves is this: Is there a better way to invest in commodities since the long-term risk-reward profile is so poor? Commodities are a hedge against much higher inflation, so the past 30 years or so of disinflation haven’t been conducive to strong performance, but there are ways to access commodities in their portfolios without investing directly in futures. Own an index fund. The simplest way to gain exposure to commodities is to own a broadly diversified index fund. The SPDR S...

1. Understand the technological risks. Even Olaf Carlson-Wee (who was on the July cover of Forbes), the founder and chief executive officer of Polychain Capital, a $200 million crypto hedge fund that began with $4 million last September, says the number one thing he wants everyday investors to know is, “This is unproven technology and if you don’t know what you’re doing, you shouldn’t interact with tokens — from an investor and security perspective. If you’re naively coming in and saying, I’m going to speculate on this, you’re really going to get burned. It’s like playing against the casino; you’re going to lose, even if you win sometimes.” Crypto assets are not like regular money. They’re also a new technology, and you may not fully understand how to use that technology or, more specifically, secure your tokens. Tales abound of people who mined or otherwise obtained bitcoins back when they were worth almost nothing and stored them on old computers or thumb drives and then...