4. Be Active About Passive ETFs do most of the hard work for you by combining a full range of asset classes and global markets, but don't be passive. ETFs trade like stocks so adjust your exposure as needed. 5. Use Your Longevity Realizing you are going to live longer means you can expand your investment horizon past the day you retire. For example, 50-year-olds should consider a 25-year time horizon, which means they can consider riskier assets like socks, commodities and alternatives. Your longevity will allow you to ride out market cycles. 9 Oil, Gold Stocks That Rise on Bad News Fink said in a speech to the Council on Foreign Relations that the financial community, corporations and governments need to unite to help make sure people are educated about investing for their long-term needs. As the 60% stocks, 40% bonds allocation is no longer relevant, "companies have a moral responsibility to educate their employees. Shifting from a defined benefit to a defined contribution plan doesn't absolve them of that responsibility." For more information, go to blackrock.com/newworld. -- Written by Lindsey Bell in New York. >To follow the writer on Twitter, go to Lindsey Bell.