What does this mean for you, if you’re fortunate enough to have some money to invest? It means you’re best off resisting the lure of the hot new fund that made 10% over the last twelve months. Better to follow the deeply unsexy advice you’re probably sick of hearing, the “eat your vegetables and take the stairs” of financial planning: instead of hunting for a magic system or an advisor with a golden touch, put your money in a big dull low-fee index fund and forget about it. When you sink your savings into the incubated fund with the eye-popping returns, you’re like the newsletter getter who
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