If the market has anything to say it’s: “Jump in, the water is fine!” However, some Baby Boomers have jumped in the pool before only to find it deceivingly shallow and now are quite content to just dip their toes. Millennials and younger investors are looking to make their own splash and will be watching every ripple carefully. There is, however, a tangible change in the way people invest since the recession. Options are more popular than ever and 67 percent of individual investors say they are less aggressive than they were before. Investors may not have any choice but to play the market with interest rates where they are.