Naked Truth Investing: A two-letter word that could double or triple your retirement savings

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.

I have a two-letter word for you that could double or triple your retirement savings. It is the answer to each of the following questions:

1. Open an account with us and we will put together a portfolio of stocks and bonds for you.