Sticking to your goals and thinking long term remain more important than ever, as the panicked din of the media and pundits grows louder and louder.
"Don't be distracted by all the nonsense out there," said Don Nelson, First Vice President-Invesments for Merrill Lynch in Merrillville.
The stock market had a strong year in 2012, with the Dow Jones industrial average up 7.2 percent and the S&P index up 13.3 percent.
The stock market remains a good investment for 2012, with technologies, industrials and energy all good places for investors to look, Nelson said.
Many investors have fled to the safety of bonds since the recession, but prices for those are at historic highs, actually making them one of the riskier investments. And don't expect a lot of help from the Federal Reserve in 2013.
"They already expended their big ammunition, and they only have a little ammunition left," Nelson said.