★ The Lazy, Useless, Good for Nothing Investing Strategy

"Anywhere from 65%-80% of funds cannot beat by the market. A dismally low 20%-35% of professionals beat the market year over year. In fact, over the 15 years ended 2011 a full 46% of actively managed funds closed due to poor performance. 7% of all actively managed funds failed every year. The professionals are not smarter than the market. Neither are you... Put your trust in your laziness and start saving early. Diversify. Then do nothing. It’s ok (and even recommended) that you do nothing (well, you should re-allocate at least yearly)."