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I agree with intercst. Using any advisor or non-indexed investment vehicle is just dumb.

The first part - Sometimes using an advisor is the absolute smartest thing that some people CAN DO!!

Just chose wisely and walk the thin line between the brokers and thieves that just want to make money charging way to much, and those that don't have a clue and give cookie cutter advice and are not worth the almost free price tag - no problem paying for what you get, just make sure you get waht you pay for.

The second part - a non-indexed investment vehicle is just dumb?

Well that seems like a rather biased opinion... And that is because? Please elaborate on how investing in all/any single non-indexed investment is dumb..........such as

a US Treasury / or investment grade Bond
some gold or silver
any individual stock
Swiss francs
Shorting lean hogs and going long coffee
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