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Form CRSQuotes
*Quotes and pictures are utilized for illustrative purposes only and should not be construed as an endorsement, recommendation, or guarantee of any particular financial product, service, or advisor.
Quotes by Walter Bettinger (6)
Walter Bettinger
I think that if you are an investor, you can definitely get a
fair shake. An investor is someone who has a plan, takes a long-term perspective, is not
trying to guess and not trying to time. If you are someone who believes that you are going
to beat the market by timing it, by guessing, by trading on a highly frequent basis, you
must be exceptional. And there are some people who are exceptional at that, but that is a
very, very tiny percent
Walter Bettinger
I always put it this way when someone asks me
about the market. If someone tells you that they have a solid prediction as to the shortterm time frame of the market, run fast. Why? Because if they did, they ain't sharing it
18
with you.
Walter Bettinger
... in
financial services, maybe more so than any other industry, if you will simply do the right
thing by your clients, I think you win.
Walter Bettinger
The major service providers in the 401(k) world are principally asset managers who specialize in managing actively managed funds. That means that they charge anywhere between 0.75% and 2.0% per year to try to beat the market. Now we all know that study after study shows that only a tiny percentage of asset managers can actually beat the market, and an even tinier percent can do it year after year.
Walter Bettinger
This idea of beating the market does not need to be part of 401(k) plans. The goal in a 401(k) shouldn’t be beating the market. The goal should be offering a secure retirement with consistent performance.
Walter Bettinger
Many of them [plan consultants] make their fees by telling employers that they are wise enough to select, monitor, and suggest replacements among these active managers that they somehow know which are the funds that are going to beat the market. Why do they hate what I am talking about today? Because no consultant is needed to monitor index funds—they simply perform at the index. The idea is simple—it is called self-preservation.
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TermsDisclosuresIndex DescriptionsForm CRS The data provided in charts referring to IFA Index Portfolios is hypothetical back-tested performance and is not actual client performance. Performance data for the IFA Index Portfolios is shown net of IFA's highest advisory fee and the underlying mutual fund expenses. IFA Indexes when shown individually do not reflect a deduction of advisory fees. None of the data reflects trading costs or taxes, which would have lowered performance by these costs. See more important disclosures at ifabt.com.
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