We’ve been going through some wicked phases here in the last few years in terms of investments. Back in 2011, at the young age of 21 years old, I decided to leave my bank and my very popular at the time mutual funds to enter the world of DIY investing.

I thought I was already an expert and would face some pretty heavy losses early in my day. But that is a story for another time.

As we approach the midway point in 2018, I often mull over what options investors have. I have to say, I’m impressed. Back in 2011 I had barely heard of an index fund, Robo-advisor or ETF.

Now, this was probably because I was very poorly educated when I decided to step into the markets myself. But, another possibility is these investing methods were slowly but steadily becoming the go to resource for most investors and would soon break out in a huge way.

So, I often find myself asking the question
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