Feelings come and feelings go, and feelings are not facts.
Investment advisor William Bernstein has calculated that, if we have a full-service wrap account at a name-brand brokerage firm, in 23 years they will have more of our money than we do.
Do-it-yourselfers will do well to use a program like ESPlanner (www.esplanner.com) to crunch the numbers.
• Do check out the Tangent Portfolio website (www.tangentportfolio.com) for simple, doable, conservative portfolios that have stood the test of time.