This article show the reasons I buy low cost index funds from Vanguard in an allocation that fits for my age and risk tolerance and simply rebalance once a year. I don't make any changes based up Wall Street soothsayers or clowns (Jim Cramer should be in clown make-up when he does his show) and I don't worry about helping an active manager or financial advisor send their kids to a nice college (or buy a nice car/boat/house/vacation property) with my money.

Advisors should be there to help the client, not promote the "loser's game."

Assnap Kined
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