In fact, William Bernstein, noted scientist and author of “The Probability of Success,” says, “A decade ago, I really did believe that the average investor could do it all himself…I was wrong. Having emailed and spoken with thousands of investors over the years, I’ve come to the sad conclusion that only a tiny minority, at most one percent, are capable of pulling it off. Heck, if Helen Hayes Young, Robert Sanborn, Julian Robertson, and the nation’s largest pension funds can’t get it right, what chance does John Q. Investor have?”

Sadly, the only people making money off of your investments is the stock brokerage industry. How many times have you watched your investments go code blue while your broker stays in the pink? Have you suffered enough losses to finally determine the only person making money is the broker or manager who keeps betting your hard-earned money in the great casino called Wall Street?

The best prescription for your portfolio is to get off the Wall Street roller coaster. Did you know that over 10 year periods of time, 97% of stock pickers and market timers fail to beat the S&P 500? Talk about malpractice!

If you ran your practice the way stock brokers do, your medical practice would be over and you’d be in jail!

Think about it…all the time, money and thought that goes into investing your money and you end up with the same odds as a Vegas slot machine. That’s not what you’re working for and it will never get you the kind of wealth you want.

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The best investing strategy for the long haul does not rely on getting a hot tip from a broker or an expensive lunch with some slick, well-dressed, jargon-versed guru. Your many years of intensive medical study taught you better than that. Wise investing for generational success needs a sound approach with proven and risk-controlled results.

Intensive analysis, study and statistical formulation over nearly a century’s worth of investing history culled from the Great Depression to right now, clearly prove the best possible method of investing is through the use of appropriately selected Index Funds.

Index funds are mutual funds that possess clearly defined rules of ownership. The rules of ownership are determined by the level of risk a particular fund harbors. Based on an individual’s Risk Capacity, the appropriateness of specific Index Funds is determined.

What Is Your Risk Capacity?

This number is based on your age, your assets, your income, your ability to stand tall in a wavering market and your knowledge of investing. There is a simple survey you can take right now to determine your Risk Capacity. Think of it like a CBC but without the poke. Just answer a few simple questions to determine which Index Funds are the best fit for you. Take the survey right now.

Index Funds are far superior to actively managed accounts for several reasons, which include:

-- Annual expenses and fees of Index Funds are up to 66% less than actively managed mutual funds.

-- When adjusted for risk, actively managed funds do not outperform the appropriate index, mostly due to higher trading costs and taxes.

-- An investment can only outperform an index because of stock concentration or style drift.

-- Lower returns are the result of higher transaction costs and higher fees or lower risk.

Claims of higher returns are simply the result of inaccurate benchmarking. And many such claims don’t include high costs of loads and taxes that are common with actively managed funds.

-- Index fund managers don’t trade as frequently as active managers. As a result, the tax implications of portfolios comprised of the right blend of Index Funds will result in lower capital gains distributions and therefore, lower taxes.

It is perfectly reasonable for you to expect that you can invest and relax. In fact, it is your right, but only if you exercise that right. Stock-picking is analogous to gambling. It takes your energy, it takes your time and it just sucks away your money.

http://scriptorium.lib.duke.edu/mma/