Buy and hold and blindly checking off the box blindly for your 401K doesn't work in today's wild stock marketplace. Neither do pensions and annuities, which are far more vulnerable than you know. And bonds, bond funds and T-bills are the next disaster waiting to happen. On the other hand, Modern Portfolio Theory, avoiding Bailouts, adding Hot Industries and annual rebalancing works wonderfully in bull and bear markets. Sound complicated? It's easy as a pie chart. Learn how.
