Early Retirement Blog

Investing is for idiots, dummies, and fools.  Why?  Because unless you answer yes, to any of  the following questions, the odds are 90% that you will do worse by actively investing instead of simply maintaining a proper asset allocation.

Are you..
A senior executive at Goldman Sachs, J.P. Morgan, or one of the top 20 hedge funds?
A senior congressperson or senator?
A senior executive of a publicly traded corporation?

If the answer is no, and you are actively investing, then you are being played for an idiot, a dummy, or a fool.  The market is rigged.  The inside players, those listed above, already know the outcome before they invest.   They are not risking their money. You, the active investor, are only suckered in to play the game after the insiders have placed their bets.  Your loss is almost guaranteed.

Recent revelations about former Treasury Secretary Hank Paulson giving inside information to top hedge fund managers, members of congress profiting from insider information, not to mention Goldman Sachs shorting their own clients, should lay to rest any doubts as to the foolishness of investing in the markets.

The information you receive from the mainstream financial media is pure propaganda, propagated by Wall Street, to lure dummies, fools, and idiots into investing in the market after the insiders have placed their bets.  Don’t take my word for it.  Below is a video of former hedge fund manager, and financial media investing celebrity Jim Cramer, explaining to Aaron Task how he (maybe) manipulated the stock market using CNBC.

Do you have a few million dollars you can use to manipulate the stock market?  Have any friends in the financial media you can use to spread rumors?  If the answer is no, and you are actively investing, you are a fool, idiot, and dummy.

So, how do you save for retirement, if investing is for idiots, dummies, and fools?  Asset allocation, not investing, is the secret to saving and achieving your retirement goal.  Maintaining a proper asset allocation model, 70% S&P 500 stocks and 30% U.S. Treasury Bonds, beats 90% of mutual funds and money managers, and gives you 90% odds that you will not run out of savings for retirement.

The historical average annual return on this asset allocation model is 9%  Read What is Asset Allocation.

With asset allocation you are not trying to outsmart investors with insider information, wasting your time reading and watching financial propaganda, or chasing the herds of idiot, dummy, and fool investors to the stock market slaughterhouse.

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