No pain, more gain 

—You have to put your money at risk in order to make a decent return.

—Your broker only makes money when you do.

—Maintaining a stock portfolio is very inexpensive.

Not true to all three, she said.

“The more you believe the myths, the more of a struggle your retirement will be,” said Miller, author of the book “PREtirement Planning Essential.”

The truth, according to her:

—“You can make money with safer investments.”

—“They actually make their money by managing your money.”

—“Hidden fees may be slowly draining your account.” —Gazette staff

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