Avoid Running Out Of Money In Retirement

  • The truth about how long most people's retirement lasts

  • The "big 3" changes that most portfolios don't account for

  • Simple changes to maximize returns you can make today

Better Returns in 2013

Active-Management does not work

SPIVA Report: Nearly all actively managed U.S. equity mutual funds under-performed their benchmarks in the 12 months ended June 30.

What the heck does that mean?

It means that nearly 90% of all U.S. equity funds failed to beat their benchmarks in the rolling 12 months ended June 30.

More evidence that active-management does not work and should not be used.

You will get far-greater returns if you don’t use “active-management investing.” Make 2013 a great year and get much better results without active-management!


Index                                               YTD
Free Market US Fund                         19.22%
Free Market International Fund            19.25%
Free Market Fixed Income Fund            2.02%
Dow Jones Industrial Avg. (12,938)         8.84%
S&P 500 (1402)                                  14.07%
NASDAQ 100 (2606)                           15.92%
S&P 500 Growth                                 12.69%
S&P 500 Value                                   15.92%
S&P SmallCap 600 Growth                  12.95%
S&P SmallCap 600 Value                    16.70%
MSCI EAFE                                        17.45%
MSCI World (ex US)                            16.83%
MSCI World                                        14.82%
MSCI Emerging Markets                      18.22%
6-mo CD                                            0.47%
1-yr CD                                              0.71%
5-yr CD                                              1.35%
MLCD (Market-linked FDIC CD)   -call for details. MLCD’s are paying around 4 times higher interest than traditional bank CD’s