“Over the past three decades, the powers that be have handed investors, particularly those saving for retirement, a very raw deal indeed. First and foremost, the traditional pension plan has been replaced with an investment mess: poorly designed, overly expensive, and thus miserably performing defined-contribution plans that seem almost consciously designed to fail. Worse, the average American is assumed to somehow possess the expertise and, more importantly, the emotional discipline to execute a competent lifetime investment plan, a goal that even many Wall Street professionals fall well short of. I hope I have provided you with the tools to personally avoid becoming a casualty of this looming catastrophe. Needless to say, you have a great deal of skin in this game. I have enumerated several skill sets that every competent investor should master. Tie them together into lists that can be stuck to your refrigerator. Grab your breakfast, look regularly at these lists, and embrace this manifesto." — William Bernstein 感謝您對大師輕鬆讀的愛護，並且全力支持您合理地使用我們為您精心編製的內容。希望未來可以提供您更方便更友善的服務。