Most financial courses teach an over simplified asset allocation template developed and heavily promoted by the $23 billion financial services industry.
These programs will teach you about the traditional investing method used by:
- You guessed it: most of the $23 billion financial services industry
- Or by investors who have never invested through terribly challenging economic conditions
This popular method puts a percent of money into stocks and a percent into bonds based on elementary information about the investor, such as age. The “advanced” version of this model may add real estate or commodities to portfolios, but more often than not, such programs teach investing in stocks and bonds only, unfortunately.
This model can perform fairly well when it works.
But unfortunately, past return data clearly proves this model only works well under certain economic conditions.
In other words:
- This simple model works until it doesn’t
- And most investors simply don’t know what they don’t know… yet
Most investing courses don’t teach this truth even though it’s confirmed by return data (and numbers don’t lie!)
They teach what is promoted in the financial services industry because it has worked well for the past few decades.
And because investors have been led to believe this is what they “should do”.
Plus, this over simplified method is what most of the financial services industry have built their empires around.
It’s even how many financial advisors still invest.
And, quite frankly, it has worked well during many years, so much so that most investors still swear it’s the holy grail of investing.
This program is different in that explains the different ways investing can be done, not just the oversimplified (and risky) version taught by most investing programs.
You’re going to learn when and why this popular model does and doesn’t work, and what can be done about it.
As much as I would love to only teach the oversimplified template, I refuse.
That’s why I’ve noted here that this program requires effort and is for investors who want to become intermediate to advanced investors.
If this isn’t you, a program on the over simplified method might be of more interest to you… although it may come at a huge cost.
But there’s a twist:
We will start with the over simplified method because it’s the foundation for all investing; I call it “basic white sauce”.
Then we build upon it to more advanced levels.