Each week I talk with investors about their investments and how to reach their investment goals. The conversations nearly always focus around three things:

time to invest in equities? What asset classes/sectors/countries are good or

had a superior return over the last month, year or five years. Should we

these is a sign that the investor is gambling and speculating with their

investment money. We are emotional beings and we are easily swayed by the Wall

Street bullies continual media blitz. This blitz is make sure that we continue

gambling and speculating with our investment dollars.

looking for someone who will market time for them. If the market is going down

shouldnt we get out of the market? Is a popular question right now. This is

market timing and will result in disappointing results over the long term.

Matson which I believe best describes the dilemma investors face every day.

eventually come to, before theyre willing to accept the free market, is this

realization: I am spiritually, intellectually, and emotionally incapable of

managing my own behavior and my portfolio. This is a big pill for many people

to swallow. Most people realize that, if left to their own devices, they

eventually slip back into speculating and gambling with their portfolios.

Ironically, by admitting our own humanity and frailty, we can gain new-found

strength and accept a better investing solution.

Many investors want to be in control of their investments. Unfortunately, this control means using the three signs of gambling and speculating described above. This can be very destructive to your portfolio as well as your confidence in the equity markets.

Sadly, most investors are looking for the holy grail of

investing which does not exist. The Wall Street bullies continue to send the message

that they can predict the future. Despite the bullies very poor track record on

predicting the future, investors continue to seek their predictions.

Investors continue to seek stock market returns with

Treasury bill risk and what they receive is Treasury bill returns and stock

Stop empowering the Wall Street bullies and find an

investor coach/fiduciary adviser. Your coach will help you build a prudent

portfolio based on your risk level. Once this portfolio is built your coach

will educate you and keep you disciplined to your plan.

As my friend Brad Nagel says You manage your life and let

Your adviser should protect the future you from the current you.

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