asset manager jim oberweis joins us in just a moment with a chinese mobile internet stock pick. we know the investment world is in love with apple. after all, it's hard not to notice a stock that doubles in less than two years. still, small investors do not feel as kindly towards the rest of the market. suzanne pratt tonight on the concerns of smaller investors. >> reporter: this has been a good year for financial markets. stocks are up, bonds are holding up and volatility has been limited. so how are retail investors navigating 2012? t.d. ameritrade's c.e.o. says they're still very cautious about investing their money. >> they have a memory of last year at this time when the market went up, and then things came unglued in the summertime and we went back down. and that's happened a couple of times now, and there's still lots of uncertainty in the world. >> reporter: the numbers support tomczyk's sense of retail investors. despite the 10% jump in the s&p 500 this year, many are still wary of stocks. the investment company institute, which tracks cash flows into mutual funds, says