Offers individual investors true insights into how to beat the best-of-the-best mutual funds in good and bad markets. Authors offer critical advise on how to invest for success and show prudent investors how to: Lower risks and increase returns by allocating assets among stocks, bonds, cash, and other assets; Utilize cutting edge research to get high expected rates of return without increasing risk; Invest just like an institution; Differentiate between effective and ineffective diversification.