<< Oh, come on...I suggested Vanguard funds, and the first thing you replied is 'some people don't have the risk tolerance for STOCKS'. >>While this is also a true statement, this is NOT what I said. Perhaps the following link will help your memory???http://boards.fool.com/Message.asp?mid=20387805<< I never said buy ALL stocks. >>I know that. But since you didn't know what the asset allocation was (nor any of us did) and then proceeded to imply that investing in index funds would or could have done better. We just don't know how well they did . . .only that it's stated that they did “well” through their particular advisor at AmEx.<< Sorry, you might wish to review your posts, but the tone was 'oh, those poor investors, let ME invest your money SAFELY in high commission, high cost products, and you'll do "OK"'...... >>Fascinating! I can understand how this might be seen this way through the eyes of a cynic. The only “tones” I hope to convey are those that have to do with balance, fairness, caring and open-mindedness.