7 Things That Can Derail Your Retirement Investing

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1. Being too safe
2. Not having a well-defined plan
3. Thinking too short-term
4. Ignoring the time horizon
5. Mismanaging your taxes
6. Being unprepared for life changes
7. Going it alone

Being too risk-averse can make retirement goals even more difficult to reach. Rely on diversification and patience to limit risk, and don't shy away from the high-return stock market too much. 

Never adopt a "just wing it" attitude when it comes to retirement. 

If the economy takes a downturn in the future, retirement investors don't want to be scrambling to make critical investing decisions in real time. 

Buying and selling stocks in an attempt to time the short-term swings in the market can be extremely difficult, even for professional traders. 

The rolling 30-year annual return of the S&P 500 index has consistently stayed between about 8 and 15 percent since 1926.