Walking through the financial maze of stocks, bonds and mutual funds may be quite a challenge. American Century Investments delivers the following suggestions to give you the know-how on building a profitable portfolio.

* Know your goals. Consider how much money you'll need for your child's education or your retirement. Whatever your vision for the future may be, set your goals and produce a concrete approach for meeting them.

* Define your investment time horizon. If you're not planning on retiring anytime soon, you may want to have a portfolio that includes more long-term investments. If retirement life is just around the corner, think about a more practical approach.

* Determine your risk tolerance. Figure out your risk comfort level and compare that with what you can afford. Normally, the longer you have to invest, the bigger risk you'll be able to take.

* Consult a professional. In an effort to prevent financial pitfalls later on, it is often best if you seek professional advice when putting together a portfolio.

They can offer you assistance on investing in a company encountering an acquisition merger or with a business merger involving a public shell.

"Recent research demonstrates that investors continue to grapple with several of the most basic investment concepts, suggesting a greater need for monetary advice and guidance," said Doug Lockwood, a qualified financial planner.

To help investors meet their monetary goals, American Century Investments has developed On Plan Investing, a program designed to help investors develop and maintain a diversified stock portfolios - at no additional charge.

Combining educational resources, advice, market insight and investment products, On Plan Investing helps investors develop a personal investment strategy, whether they're new to investing, looking for guidance, but still want control over their investment mix, want help positioning their portfolios with a long-term perspective or need to have help understanding how the markets work.

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