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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: sinclap who wrote (15030)	3/29/2013 4:26:51 PM
From: Steve Felix	Read Replies (2) \| Respond to of 34328

All the comments regarding how to get disability were very disheartening. Always people looking for the easy way out. "reinforces that some/many people are just uninformed about investing in general." I've read where the use of index funds by investors in their retirement accounts has been rising over the years. At least that is a step in the right direction. The next problem seems to be that they will not allocate / balance, and just leave their hands off: _____________________________ "According to an analysis by Dalbar, the average investor earned 2.1% over the twenty year period ended Dec. 31, 2011. How did this compare to other asset classes? To make it very simple, the S&P 500 returned 7.8%, while the Barclays Capital US Aggregate Bond Index returned 6.5% over the same time period. A 50/50 blend of these two asset classes would have yielded a nominal annualized return of 7.2%. Wait, it gets even worse. After including inflation, the average investor got a negative real return. Inflation (CPI) grew at an annualized rate of 2.5% during the period. So the average investors' net real return was -0.4%. The average investor is not very good at capturing the market return of a simple balanced portfolio, never mind outperforming it." thestreet.com The 2012 Dalbar study is here, but you have to scroll down past the junk: thewpi.org Now, if they would take just a little more interest, and discover dividend investing they would take an even better step imho.