this post was submitted on 09 Jul 2025
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They aren't worth the money they're being paid. It's really not hard to do the most long time proven plan, which is to balance a portfolio between higher risk things like an SP500 index, and lower risk things like bonds. You weight it towards the index when you're young to get high average returns, then back it off into lower risk as you get older to lock it in.
"A Random Walk Down Wall Street" goes into how this strategy has been proven out over decades when so many others have failed. You technically can beat the SP500 (and be sure to include transaction costs), but only by taking on even higher risk.
The best investment advice for most people is really, really boring and not particularly difficult. Shouldn't even try anything else until you're maxing out all of 401k, HSA, and IRA and then have some leftover to try the riskier strategies.
this really
Hi so I am actually maxing out a 401k and HSA, I have a IRA too but I only put a little bit into it. I also have a high interest savings account which is very nice.
But this is my long term savings and retirement. I don't trust myself enough for that and I've made 4-6% gains consistently since I started. Significantly better than I would be able to do (I know because I've tried with smaller amounts) plus I don't have to worry or think about it.
The s&p index returns about 10% a year over the past couple decades.
Anyone reading this would be hard-pressed to do any better than that. So there's no reason to do anything but just put your money in a giant index and wait.