In an article published right after getting his Nobel Prize, Markowitz himself said that for individual investors, his MPT is NOT the right approach. Instead, apply simulation of investor’s multi-year $$ plan and goals.

Why, with 99% of U.S. investors being individuals, have university investment professors ever since been flooding the nation with single-year, dollar-free, goal-free MPT?

We’re now offering free software and education on custom-development and use of the lifetime GOAL Frontier, to try to help save the modest-wealth public from drowning in the university outpouring of single-year goal-free MPT. Can you help? There’s something about our effort here: http://wp.me/P3EGC5-2

Dick Purcell