Is Investing Really This Complicated?
Nicole Dieker

Stick with low cost index funds. Most asset managers don’t/can’t outperform the market over the long-term. Most passive investors are still best to stick with a buy and hold strategy of market index ETFs or mutual funds and call it done.

There’s something to be said for the fact that when I interviewed fee-only money managers, they all told me that for my investment needs they’d probably recommend parking my money in an index ETF to save me on transaction costs, simplify my portfolio, and reduce the headaches involved with my day to day investment choices. The commission-based managers on the other hand, recommended that I buy a life insurance product as an investment vehicle and some other more complicated products. To be honest, the logic of their investment choices still didn’t/doesn’t really make much sense to me and the projected results were quite similar to fee only.

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