Can any system promise no down years, no significant losses?Of course not and bear in mind that BMW's post related to a ten year period where his mothers' net worth declined by 60%, even though she was (presumably) on public assistance for the entire time. On the other hand I do not doubt that active management and excellence can beat intrcst's necessarily conservative plan. He offers a cookbook plan for retirement, and the nice thing about it is that it is time-tested. It works. I do not think that someone can count on 15% returns to fund their retirement and I do not think that BMW does.
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