For a variety of reasons, long-term individual and institutional returns indicate a failure to capture risk premium over time.  We believe this is a major contributor to the individual retirement and pension fund funding crises. High Probability Investing Are you just another gambler

Where are the ETF opportunities? The Effect of Valuation on Expected Returns The chart illustrates the effect of current valuation on expected return over the next five years. Buying undervalued ETFs results in positive valuation returns. Buying overvalued ETFs results in negative val

Where are the ETF opportunities? The Effect of Valuation on Expected Returns The chart illustrates the effect of current valuation on expected return over the next five years. Buying undervalued ETFs results in positive valuation returns. Buying overvalued ETFs results in negative val

1) Peaks – There have been ten-year periods when investors have earned about 20% per year. a. Since the Depression, there have been two such peak periods. b. These peak periods were the ten years ending in 1958 and more recently in1999. c. During these times, investors tend to b

Where are the opportunities? The Effect of Valuation on Expected Returns The chart illustrates the effect of current valuation on expected return over the next five years. Buying undervalued ETFs results in positive valuation returns. Buying overvalued ETFs results in negative valuati

1)  You are an owner of companies that provide customers with goods and services. 2)  Your return comes from their success and is payment for sharing their risk of failure. 3)  Their success is reflected in their market values and the dividends they pay you 4)  As a business owner, yo