Walking through the financial web of stocks, bonds and mutual funds can 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. Think about how much money you are going to need for your child's education or your retirement plan. Whatever your vision for the future might be, set your goals and produce a concrete system for meeting them.

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

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

* Consult a professional. In an effort to prevent financial pitfalls later on, it's typically a good idea to seek expert guidance when putting together a portfolio.

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

"Recent research reveals that investors continue to deal with a few of the most basic investment ideas, suggesting a greater need for financial 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 plan developed to help investors develop and preserve a diversified investment portfolios - at no additional charge.

Combining educational resources, guidance, market insight and investment products, On Plan Investing helps investors create a personal investment technique, whether they're a new comer to investing, seeking 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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