What nonsense.

This article is a prime example of why intelligent people should not trust financial advisors. I have a PhD from the top rated public university in the United States. I may not be the smartest person in the world but I do think I'm no dummy. When an investment article has even one line in it that makes me think "how stupid does this person really think I am," it leads me to find the entire article disreputable. Unfortunately, The comments section does not permit me the space to adequately explain my comment. If the author wants to hear it, he can reach me via my profile.