Hi Do, The article linked below provides research based insights about your investing that you should find useful. It explains a very dangerous practice in the financial advice industry that creates incentives that can literally cost you a fortune. No investor should put capital at risk without understanding the inner-workings of investment firms as described in this article. http://www.startribune.com/how-brokers-big-bonuses-can-lead-to-ruin/507415292/ By the way - this isn't an affiliate link. I get nothing from sharing it with you. My goal is to provide you with valuable, proven, research based insights - whether written by me or someone else - that will help you build your wealth and secure your financial future. I hope you get great value from it! Todd

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