Imagine this: You’re a relatively healthy person. You eat right and exercise regularly -- perhaps you even run a few miles every other day to stay in shape. From the outside, you’re the picture of good health.

But at recent annual check-up, your family physician notices something on your chart that is alarming.

Often when it comes to Social Security the classic expression "I don't know what I don't know" is apropos. Most people leave a surprisingly large amount of money on the table by not claiming all the benefits to which they are entitled. Want a quick estimate of what's at stake for you?

On one level, it is very logical to think this way, as daily and short-term market movements are very much like dice and cards in their unpredictability. Further, only a small number of super-performing stocks make up most of the market's gains each year. Trying to pick such those few stocks in advance is gambling. But there is a way to own these stocks without relying on luck.

Pfizer's Total Shareholder Return Units (TSRUs) entitle you to a payment in Pfizer stock equal to the Total Shareholder Return (profits earned from holding a share of Pfizer stock including dividends) over a five-year period.

A hypothetical example: If, over the five-year period, the profit made from holding a Pfizer share and receiving the dividends is $20, each TSRU for that period will be worth $20, payable in the equivalent number of shares of Pfizer stock.