The Junk Drawer Approach to Investing It's easy to let investments accumulate like old receipts in a junk drawer. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Are Alternative Investments Right for You? With alternative investments, it’s critical to sort through the complexity. U.S. Personal Savings Rate What can be learned from the savings rate? IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.