There seem to be 3 investing camps out there, those that believe we are in stagflation, those that think we are in inflation and, lastly, those who can’t decide.

In 2009, $9.5 billion was transferred from investor's accounts to their brokerage houses for 12b-1 fees, and most of the time the client-investor didn't know it was happening.

Recognizing innate forces that can work against personal investing interests.

Investors now know they need to concentrate not only on the anticipation of potential success should they take more risk, but to consider the reverse as well. How would they react if an unexpected market dive would greatly diminish their portfolio?