I spend an inordinate amount of my time explaining to Indexers (those that tout that indexes are the only way to be effective with their investments) that there is SO much more to consider than simply buying an index.

Have you noticed that everything is bad these days. There is more bad economics, bad math and bad information masquerading as analysis these days than we have seen at any time in recent history.

Even the best money managers and analysts can’t predict the markets with certainty, making it less likely that average investors can do the same.

With thousands of individuals calling themselves “financial advisor” or “wealth manager” or “investment specialist”, the challenge for investors is to wade through the marketing and advertising to be able to identify those financial professionals who truly put their client’s interests first.

In recent years it would be difficult to read any financial newspaper or website without seeing headlines about “alternative investments”.