If your broker or investment advisor is not familiar with the concept of standard deviation of returns, get a new one.

You have to ask yourself, what are the things that matter to you most in your life? If you have to have a latte every day that'snice to have right now, but if you take that latte every day right now, you may wind up eating cat food when you are 70. And you have to decide which is worse.

Mutual fund manager performance does not persist and the return of stock picking is zero.

If your broker or investment advisor is not familiar with the concept of standard deviation of returns, get a new one.

99% of fund managers demonstrate no evidence of skill whatsoever.

Investment success accrues not so much to the brilliant as to the disciplined.

Market risk is like taking a plunge into a cool pool ... a lot of people are finding out right now what their risk tolerance is.