Paul and Ira talk about how ubiquitous market timing is in the investment industry and how investors never really know how to measure whether or not their portfolios are successful. The reality is that a portfolio can go up 190% in 20 years and underperform the worst asset category during that time. Companies don’t usually educate investors about risk and return in investing, and instead they try to use track records and fund ratings to push products that make them the most money.

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