Review Detail

Thank you to Craig for his continuing use of metaphors to allow advisers to find a way to communicate the concept of diversification to lay clients. The study using the rolling periods to demonstrate ACTUAL returns for the $35,000 annual salary is very useful to show young people why saving is important. It is also much more pertinent than using Monte Carlo, which I feel is always suspect. Craig correctly points out that Monte Carlo is only a guess based on presumed assumptions. His method is better.