Naked Truth Investing: Pick a card. Any card.

This is the part of a new series of columns called "The Naked Truth," by retirement expert Dan Solin. Please bring him your questions, in the comments box, and he will answer as many as he can.

If that headline conjures up an image of a circus barker, you have hit the nail on the head.

Yet every day, millions of investors engage in the same kind of activity when they make investment decisions that are critical to their retirement planning.