In this episode, Mark beta tests Facebook Live for his show and discusses how "nearly everyone is below average in their mutual funds" (Star Tribune). Mutual funds are a great tool for investors starting out. An appropriate allocation should include international and emerging market companies. He also talks about how the election going on in France has affected the market  - the S&P and DOW up over 1%. Indexes and fees are relative. Racing to the bottom on cost is a massive mistake. You’re investing money, the people you hire to manage the money are also an investment. Why are the indexes doing so well? The top 5 holdings make up 12% of the index! Time in an investment, not timing an investment.

April 24, 2017