Read this forum (so far so good), and read The Bogleheads Guide to Investing:
http://amzn.com/1118921283 (unfortunately the 2014 edition isn't in paperback yet, but there is a kindle version).
naveen wrote:My return for 2014 is paltry 1.3% compared to S&P.
Retread wrote:Why not buy a five year annuity? Immediate annuities.com shows it would be about $88,000 for a 50 year old male.