You're probably right "outlaw" I was just trying to show an example of the way folks should be thinking about stocks and bonds. There was also a recent article on lazy portfolio's that showed how very simple it was to manage your own with low risk and decent returns. I like Bernsteins or Yale University and their are billions invested that way. Last I read, Yales endowment fund was something like 15.9 billion? And they use a very simple low risk way to manage it for the past 50 years.
The very most important thing people miss when deciding to go with any advisor is that higher returns ALWAYS equals higher risk. And it's not their money they are going to lose, it's yours.
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Life is to short to drink cheap wine.
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