“An educated investor is one who understands the importance of diversification, the trade-off between risk and return, and how to evaluate an investment opportunity. An educated investor understands that if something sounds too good to be true, it likely is.”
- Cynthia Glasser, Commissioner of the U.S. Securities and Exchange Commission, April 2006
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"In my view, before they make a purchase, investors deserve full and clear disclosure of all the fees and costs that come out of their pockets, either directly or indirectly, to pay for all the activities related to the operation and sale of these products, including whether a broker's recommendation benefits the broker."

- Cynthia Glasser, Commissioner of the U.S. Securities and Exchange Commission, March 2006

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"It is my contention that active management does not make sense theoretically and isn't justified empirically. Other than that, it's O.K. But it's easy to understand the allure, the seductive power of active management. After all, it's exciting, fun to dip and dart, pick stocks and time markets; to get paid high fees for this, and to do it all with someone else's money."

- Rex Sinquefield, Dimensional Fund Advisors, 1995

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"Investors… invest on the basis of performance, try as we might to tell them that past performance is no indication of future performance."

- Commissioner Paul Atkins, U.S. Securities and Exchange Commission, April 2006

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"Investment return is far more dependent on investor behavior than on fund performance.

DALBAR Inc.

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"The discrepancy between a fund's performance and that of its shareholders can be large. Investors would benefit from knowing how well they did as opposed to how well their fund did."

- Barry Barbash, director of the SEC investment management division, 1997

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Powerpoint Presentations
• For those just learning, Investment 101 discusses how money works, compounding, stocks and bonds in an easy to understand visual format.
• Mutual Fund Mechanics covers mutual fund fees and expenses and explains the differences between passive mutual funds and actively managed mutual funds.
• Searching for Advice provides insight in to the financial services industry and why there is such a discrepancy in the quality of advice that may be provided