Remember - you are not alone on the road, and your biggest risk is from other road users, though.

BBC: Your tips for coping in a colder UK climate

Every investors dreams of finding the next Google ( GOOG), but unless you work on Sand Hill Road, you do not have access to these deals until they are already brought to market via IPOs.

FORBES: An ETF that Could Land You the Next Facebook

But I think you'd have to be very, very sure of yourself if you were to say that there are not going to be bumps in the road.

FORBES: Intelligent Investing Transcript