Paul Merriman

Paul Merriman

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Sound Investing was named the “Best Money Podcast” by Money Magazine in 2008. It has provided clear, concise advice on money and retirement since 2001a when it began as a radio program. The program is now
Paul Merriman


Sound Investing for Every Stage of Life





How realistic are your expectations for future returns?

Apr 10, 2019 40:01


One of the biggest challenges for investors is developing reasonable expectations for future returns. Do you expect hot markets to continue to produce market-beating returns? Do you expect big bear markets to continue to rob investors of their life savings? If so, you are likely setting yourself up for disappointment. In this podcast Paul looks …

What every investor should learn from the Fine-Tuning Tables 

Apr 2, 2019 29:23


Along with this year’s updated Fine Tuning Your Asset Allocation article and updated Fine Tuning Your Asset Allocation Table for the S&P 500,  Paul shares this “best lessons” podcast. He walks investors through the best and worst of returns, along with the corresponding worst losses over 6 different time frames. The case is …

Is it time for Bitcoin, value and small caps to be the big winners?

Mar 27, 2019 53:33


Just because an investment doesn’t work out as well as expected does not mean the investment decision was a mistake.  In this podcast Paul discusses the recent failure of evidence-based investing.  He questions the assumptions investors make about investments that have been successful over both short and long-term periods.  His comments are in response to …

10 more things you need to know about the Ultimate Buy and Hold Strategy

Mar 20, 2019 59:45


The annual Ultimate Buy-and-Hold Strategy article and podcast are among the most important pieces Paul and Rich produce (with a lot of help from Daryl Bahls in creating the updated tables). This podcast addresses topics not covered in the Marketwatch article.  Paul answers such questions as: Are returns reasonable? What is the impact of annual and monthly rebalancing? …

Are you better off investing in bonds or stocks paying dividends?

Mar 13, 2019 49:29


1. If I need income from my investments, am I better off investing in stocks paying a good dividend rather than bonds? 1:45 2. Is a 60% stocks/40% bonds balanced fund better than a target date fund? 11:35 3. How does VBIAX (Vanguard Balanced Fund) compare to the 

Best-in-Class ETF Portfolio Recommendations: 2019 Update

Mar 6, 2019 55:08


In this special podcast Paul interviews Chris Pedersen about the 2019 changes to the Best-In-Class ETF Portfolio recommendations. This will be helpful to those who want to understand the details of how Chris made the decisions to select the best in each asset class, changing many from the previous year. The discussion includes comparing the …

What successful investors know about performance in risky times

Feb 27, 2019 33:23


What information is really meaningful to be a successful investor, especially in light of conflicting, enticing and scary reports? In this podcast, Paul asks and explores the questions: Will a list of 10 likely catastrophic events be enough to keep you out of the market?  Will a newsletter, produced by an ethical organization, likely give …

Paul’s best investment advice for first time investors

Feb 19, 2019 1:38:52


In this special podcast, Paul discusses his list of “A Dozen Million-Dollar Decisions.” This advice for college students was recorded this week for students at Western Washington University, Paul’s alma mater and where The Merriman Financial Education Foundation funds the development and presentation of Personal Investing 216, an accredited course since 2014.  The …

The Most Important Investment Decision of Your Life

Feb 13, 2019 44:11


Or… Are you missing out on millions of dollars for your retirement?

After deciding to save and invest, the most important investment decision of your life, in Paul’s opinion, is what this podcast addresses. Of the Millennials investing in 401k plans, nearly 25% are refusing to take the risk of investing in stocks (equities) and are …

8 Q&A, from upcoming events and Millennial spending to investor recommendations

Feb 6, 2019 1:01:02


Paul addresses an array of topics and questions, including this year’s plans for the Merriman Financial Education Foundation, Millennial spending habits, best and worst of times in 10-year periods for the S&P 500 and small-cap value, market timing, and recommendations regarding risk assessment, 401k’s, index funds and owning small-cap-value funds in retirement.

1.  What are the 2019 …

Advice for new, mid-career and retired investors: 8 Q&A’s

Jan 30, 2019 1:07:13


Paul answers recent questions from readers and listeners:

9:29 1.  A young investor asks me to explain, how does compound interest work?  I referenced this article: Save $1,000 a year. Retire with millions

19:41 2.  Do you expect index funds to keep outperforming actively managed funds?

25:35 3. Most of your articles are focused on accumulators. …

How John Bogle changed my life… and yours too!

Jan 22, 2019 44:04


With the passing of 89-year-old John Bogle, many writers who have covered Bogle’s work wrote thoughtfully about his life and the impact as the creator of the first index mutual fund.  For 10 years, Tom Cock, Don McDonald and I interviewed him annually on our “Sound Investing” radio show on KVI in Seattle Washington. It …

What do you know about the past and future returns of your investments?  

Jan 16, 2019 42:45


Paul analyzes the 20-year returns of 10 major equity- and fixed-income asset classes. What do we have to learn?  Returns can be totally unexpected but the relationship between asset classes remain the same as they have for almost 90 years. The table below allows investors to examine the year-by-year returns of large and small U.S. equity …

Is it time to make changes to your portfolio? And 9 other Q&A’s.

Jan 9, 2019 1:06:58


1.Vanguard founder Jack Bogle says it’s time to play it safe. Should we be making changes to our portfolios or stay the course? :40

2. Did active managers beat passive funds in the recent selloff? 15:15

3. What are the relative risks and returns of the S&P 500 and small cap value index? 26:33

4. …

Paul Merriman’s 2018 in Review

Jan 2, 2019 42:33


Not all of the numbers are in, but enough are to discuss the returns of 2018. Of course a single year is not indicative of much, but it is often a test of our commitment to Buy-and-Hold.

In this podcast, Paul reviews the numbers for his favorite equity asset classes (big, small, value, growth, REITs, …

How far will the market fall? and 6 more Q&A

Dec 26, 2018 57:43


Paul answers some recent questions from readers and listeners.

How far is the market likely to fall? How has your market timing system worked in this market decline? Which is the better Vanguard large cap ETF: VTV or VONV? Jeffrey Gundlach says investors shouldn’t invest in index funds because they are hurting investing behavior. His …

The Best Podcast of 2018: Mark Hulbert on “Lessons learned from 40 years of independently tracking investment advisers’ performance”

Dec 19, 2018 1:13:25


At the 2018 AAII National Conference, Paul presented key concepts from the Ultimate Buy and Hold strategy and premiered the Two Funds for Life strategy, and had the great pleasure of hearing a talk by Mark Hulbert, founder of the Hulbert Financial Digest and senior columnist for MarketWatch. Considering it was the best talk of 2018, Paul asked and was granted …

Investment lies many investors believe… especially during market declines

Dec 12, 2018 56:42


Paul discusses 9 different lies, or myths, that keep millions of investors from investing in stocks. Some of these lies are created by the “fake news and advertising” from Wall Street, and some by the natural fear of loss.  In one example of an investment myth — “Investing is risky” — he compares the worst …

Always something more to learning, and teach

Dec 5, 2018 45:23


In this lively conversation, Paul talks with Tim Ranzetta of NextGen Personal Finance about index funds, dispelling common myths young people have about money, how to build a portfolio for life, target date funds, the importance of diversification, the commitment to helping people help themselves, and more. provides an abundance …

How much should I have in equities? And other questions

Nov 28, 2018 46:28


Since the market started making noises like a baby bear, more investors are asking,”What is the appropriate percentage of equities in my portfolio?” Paul addresses this question from the points of view of a young investor, a pre-retiree and a retiree, and also considers the dangerous probabilities of bad advice from commission-based advisors.

In a …

The Only 12 Things You Need to Know to be a Successful Investor for Life

Nov 21, 2018 42:47


In wishing listeners a Happy Thanksgiving, Paul shares some of the reasons for his gratitude, and 12 important decisions/choices that every first-time investor will make. He provides a few reasons why one path is likely to lead to a better financial outcome. Attached is a list of the choices he recently used to teach high …

Updates on ETFs and other projects with Chris Pedersen and Paul Merriman

Nov 14, 2018 31:08


When Chris Pedersen came to Bainbridge Island to tape the video/podcast on the 2 Funds for Life Strategy, he joined Paul in an interview  to address some questions regarding his work on several important projects. Here is a partial list of questions:

What are the pros and cons of Best-in-Class and commission-free portfolios? What variables …

How to respond to election results plus 8 investment Q&A’s

Nov 7, 2018 1:05:34


This podcast, recorded before the market opened on Election Day in the U.S., begins with Paul’s advice on how to respond to the election results. He then answers the following questions from his readers and listeners:

1. Why are bond funds losing money? 2. Are individual bonds better than bond funds? 3. How has mid-cap …

2 Funds for Life: The Bottom Line (10 lessons from the 2 Funds for Life study)

Oct 31, 2018 55:59


These 10 important lessons should be considered when putting to work the “2 Funds for Life” portfolio in your portfolio. Paul focuses on the likely long-term gains and the likely short-term losses, answers questions, and discusses the other sources of information on the strategies. For the video, articles, tables and Q&A about the “Two Funds …

2 Funds For Life

Oct 24, 2018 1:06:18


A simple strategy to maximize your retirement investments

In this podcast, Paul Merriman and Chris Pedersen discuss the rationale, research,  details and benefits to easily implement a simple 2-Fund strategy.

To access graphs, articles and other links referenced in this podcast, click here.

To view this presentation as a video, click here.

Value, risk and retirement

Oct 17, 2018 43:08


In a recent conversation with Ken Roberts, of Ken’s Bulls and Bears, Paul answers some timely questions, such as: Do you expect value to be a top performer again? How much do you think investors should have in value? With the market being so high, what are you telling investors who are …

What’s wrong with target date funds? The three greatest investment products – Part II

Oct 10, 2018 52:08


After making the point in “The three greatest investment products” that the target date fund is the best of the three (mutual funds second, and index funds third), Paul discusses the glaring problems inherent in almost all target date funds. While challenges include high expenses, active management and too much in bonds, the …

Best mutual fund and best “safe” withdrawal rate, plus 8 Q&A’s

Oct 3, 2018 1:05:18


Paul discusses George Sisti’s comments about the best mutual fund, best “safe” withdrawal rate, and why “working harder” doesn’t seem to help investors. And he answers questions from readers and listeners. 1.  What do you think of the new Fidelity zero-fee mutual funds?

2. Why are bonds losing money?

3. Which do you recommend: Vanguard or …

The three greatest investment products – Part I

Sep 26, 2018 53:45


This is the first of a three-part series, laying the foundation for the upcoming “2 Fund for Life” strategy.  In this podcast, Paul discusses the mutual fund, index fund and target date fund, which have been responsible for some of the greatest wealth building for the average investor. In the case of the mutual fund and the index …

Can we trust hypothetical returns, plus 7 Q&As

Sep 19, 2018 59:49


As Paul is preparing to release a new investment strategy, in this podcast he discusses the nature of hypothetical returns. What numbers can we trust and what numbers might be unfairly biased? Also, he addresses 7 questions from his readers and listeners. 1. What are the steps to setting up the $3000 to $50 million accounts for […]

10 things Mark Cuban says to do with your money

Sep 12, 2018 56:03


Billionaire Mark Cuban, owner of the Dallas Mavericks and one of the sharks on the popular CNBC show, “Shark Tank,” shares 10 things people need know to be more successful investors.  Some of them are spot on, while others will likely lead investors down a less productive path. In a couple of cases Paul totally […]

Passive vs. Active: Paul Merriman vs. Ken Fisher

Sep 5, 2018 47:55


Ken Fisher is probably the best known independent investment advisor in America. At $70 billion under management, with 2,500 employees and a net worth of $3.8 billion, according to Forbes, he is likely also the most profitable advisor in the industry.  Fisher is considered the King of Marketing in the industry.  He advertises on national TV and in […]

10 Q&A for investors trying to do the right thing

Aug 29, 2018 39:54


From first-time investors to those on the verge of retiring with millions of dollars in savings, Paul’s answers to questions from our listeners and readers contain something of interest for every investor. 1.  How different is the new secret strategy from what you are recommending now? 2.  Why would anyone want to take the risk of investing in the […]

How To Invest In Today’s Market

Aug 22, 2018 28:47


Paul speaks with Ed Fulbright, CPA and PFS – of “Meaningful Money” website and “Mastering Your Money” podcast – about how to invest in today’s market. Is the market ready to roll over and play dead after a very long period of record highs?  What should investors do who are sitting on large positions in cash? […]

The coming correction and other questions

Aug 15, 2018 57:36


In this podcast Paul answers seven questions from his listeners/readers about bonds, Dimensional Funds, market collapse and correction, treasury funds, market timing and the Japanese market. 1.  Is a portfolio of 90% equities and 10% bonds too aggressive for a 38-year-old? 2.  Do you still recommend using Dimensional Funds even though one must pay an advisor to […]

What you probably don’t know about Paul Merriman

Aug 8, 2018 56:18


In this interview with financial advisor Joshua J. Sheats, of Radical Personal Finance, Paul speaks of his early ventures on Wall Street and in manufacturing, what it was like to build an advisory firm in the 1980s, his life’s challenges, and the goals, affirmations and philosophies that continue to motivate his work with the financial education foundation he […]

What is the best Vanguard balanced fund?

Aug 1, 2018 55:17


Paul answers your questions about Vanguard balanced funds, including the pros and cons, how to select the best balanced funds, and how to match them to your investment goals and risk tolerance. He references the S&P 500 Equity Portfolio Fine-Tuning Table Vanguard funds: Balanced Index (VBINX) Life Strategy Income (VSCGX) Life Strategy Moderate Growth (VSMGX) Life […]

Small-Cap Value: What Are The Risks?

Jul 25, 2018 33:10


This podcast was produced with an accompanying slideshow. Listen and watch here: Small Cap Value: What Could Go Wrong. Paul examines the historical and possible future risks and returns of small-cap value stocks as an asset class to help you determine its role in your portfolio – whether a young investor, in your working years, or a […]

Small-Cap Value: What Could Go Wrong?

Jul 25, 2018 33:10


This podcast was produced with an accompanying slideshow. Listen and watch here: Small Cap Value: What Could Go Wrong. Paul examines the historical and possible future risks and returns of small-cap value stocks as an asset class to help you determine its role in your portfolio – whether a young investor, in your working years, or a […]

Finance across the generations

Jul 18, 2018 24:49


Paul is interviewed by George Grombacher, consultant, podcaster, writer and speaker, on his Money Savage Podcast. They discuss how bias can impact investing as well as every aspect of our lives, and how personal history impacts saving and investing behaviors. And Paul explains how the simplest answer is often the best one.

How will you change your Vanguard ETF portfolios?

Jul 11, 2018 33:10


Last week Vanguard announced they are adding 1,800 commission-free ETFs to their present line up. In this podcast Paul answers what this may mean for investors and three other questions from his listeners and readers: 1.  What impact t will the new ETFs have on the Vanguard portfolios? 2. What is the risk in a […]

The truth of market timing and more

Jul 4, 2018 41:46


  In this interview with Pure Financial‘s “Today on Your Money, Your Wealth”, Paul discusses the truth on market timing vs. buy-and-hold – and explains why he still does both. Plus, he answers questions on collecting Social Security and a pension, rolling and converting IRA money, and whether there are financial perks to waiting until after the first of […]

Are great value returns a thing of the past? And nine other Q&A’s

Jun 27, 2018 48:36


  Paul answers questions from his readers and listeners. 1.  Can you recommend a portfolio of DFA funds? 2.  How does an investor choose between all value and worldwide equity portfolio? Paul references the following Tables:S&P 500 Equity Portfolio The Ultimate Buy-and-Hold Worldwide Equity Portfolio The Ultimate Buy-and-Hold All-Value Equity Portfolio 3.  Which is better […]

Investing Myths

Jun 20, 2018 43:02


  Paul  discusses 15 investment myths that can cost investors a lot of money, with Ken Roberts, host of ‘Ken’s Bulls and Bears’,  The myths include: • Investing is just another form of gambling. • You don’t lose money if you don’t sell. You should sell your losers and let your winners run. • Almost nobody […]

Preparing for retirement

Jun 13, 2018 51:49


  In an interview with Jason R. Parker – author of Sound Retirement Planning, a blog and radio show by the same name, and president of Parker Financial LLC, a fee based wealth management firm – Paul discusses retirement, staying the course, fixed income, the value of intermediate-term bonds, building your portfolio for your personal risk tolerance and age, how often […]

A huge reason to invest in small-cap value

Jun 5, 2018 42:42


  For many years I’ve sung the praises of small-cap value for all investors. Of course, that would be a relatively small percentage for retirees and a lot for first-time investors. I have used this table of 1-, 15- and 40-year returns for large-cap blend, large-cap value, small-cap blend and small-cap value so investors can easily compare […]

Should we get out now? Plus 9 Q&A

May 30, 2018 1:12:37


  My recent opportunities to educate investors have been extremely satisfying, including a presentation to teenagers and their parents on Bainbridge Island, mostly-retired investors at the AAII chapter in Portland, OR and to 200 students at Western Washington University. The following are questions that came rolling in from the groups, as well as emails from […]

The Truth about Market Timing

May 21, 2018 51:54


    Do you think the market is close to the top and you should be considering an exit strategy? Let’s talk about market timing, as it seems a lot of investors are concerned with it, judging from the number of questions I am receiving about timing subsequent to my interview with Meb Faber and Bogleheads’ comments after my interview with […]

Those who come out ahead have put their trust in the system over the long term

May 16, 2018 1:27:14


    I had the recent pleasure of being interviewed by Meb Faber, co-founder and the Chief Investment Officer of Cambria Investment Management, and author of five books. We covered a lot of ground, speaking in some detail about my “Ultimate Buy & Hold Portfolio,” the power of diversification, and the pitfalls of emotional investing. We discussed the […]

What rate of return should I use in my retirement plan?

May 9, 2018 40:49


    One of the toughest decisions in a financial plan is the assumption of returns for the equity part of the portfolio. This presentation is intended to help you in that decision. I just received my copy of the annual Dimensional Funds Matrix. This book contains 90 pages of return tables for more than 30 […]

Investing for Life: Dr. Jim Dahle of White Coat Investing interviews Paul Merriman

May 2, 2018 1:09:56


    In this interview with Jim Dahle, M.D., Paul covers about a wide range of investment topics, from getting started to retirement planning and distributions. This is an excellent introduction to Paul’s work, including buy-and-hold, market timing, bonds, Bogleheads, the work of the Merriman Financial Educational Foundation, DFA and portfolio management, Do-It-Yourselfers, and much more. While Jim, […]

The ultimate distribution strategy: 2018 update

Apr 23, 2018 39:48


    Paul’s favorite distribution strategy Each year Paul updates his favorite distribution strategy. In this discussion listeners will want to have copies of distribution tables 3 and 12. These tables reflect a 5% initial distribution plus annual increases for inflation. Tables 17 and 16 also start with a $50,000 distribution, but the distribution is […]

Big news- SPIVA and DALBAR reports are out!

Apr 18, 2018 43:02


    Paul discusses two reports from his annual “must read” list: SPIVA and DALBAR. The SPIVA report makes the strongest statistical case for index funds over actively-managed funds. The DALBAR “Quantitative Analysis of Investor Behavior 2018 Report” (no link, as investors have to buy the report) makes the case that the combination of active management by […]

Fixed Distribution Strategies-2018 Update

Apr 9, 2018 1:10:25


    The decision to establish a fixed distribution strategy can help ensure your peace of mind in retirement. This strategy is designed for people who retire with “enough” to meet minimum cash flow needs, including future adjustments for inflation.  If you are new to our work, please read “The Ultimate Buy-and-Hold portfolio, 2018 edition” and the latest Fine Tuning Your […]

The most important lesson from “Save $1000 a year. Retire with millions”

Apr 4, 2018 43:55


    Paul begins this podcast in response to tough critiques from some readers about this very popular article and podcast. He speaks to what he thinks are the most important lesson for investors. He also answers 4 Q&As from readers and listeners.: Will you create recommended portfolios for popular HSAs? What asset allocation do you recommend for endowment funds? […]

Building a million dollar portfolio with $1000 a year

Mar 26, 2018 1:07:03


        For over 20 years Paul has been producing articles and podcasts on 3 important decisions investors must make.  The first is The Ultimate Buy-and-Hold Strategy, a discussion of the equity asset classes that Paul recommends investors use in their portfolio.  The second is Fine Tuning Your Asset Allocation. The third, on Distributions in retirement is in […]

How to get started investing and keep going – Q&A

Mar 21, 2018 38:11


    One young investor following Paul’s advice wrote to him: “Paul, thank you for everything you’ve done. The podcast, books and website have changed my life.” Paul asked him, “How so?” Thus begins this podcast sharing this young man’s response in the hope it will motivate other young investors to do the same. Q&A: […]

Fine Tuning Your Asset Allocation,Worldwide and All Value Portfolios

Mar 9, 2018 37:51


    In a recent podcast, Paul discussed a table of historical risk-and-return data for the S&P 500.  The purpose of that podcast and corresponding table was to give investors a way to build reasonable expectations of the short- and long-term losses, as well as short and long-term returns for the S&P 500.   In this podcast the same information […]

Is it time to sell? and other investor questions

Mar 7, 2018 52:02


In this podcast, Paul answers a variety of recent listener questions: • Is it time to sell and move more of my portfolio into money market or bond funds? •  Can I use your Best-In-Class glide path spread sheet to manage my Fidelity portfolio?  In answering, I reference a spreadsheet that shows our recommended asset allocation by […]

Fine Tuning Your Asset Allocation with the S&P 500 2018 update

Feb 28, 2018 35:19


Most of our annual Fine Tuning articles and podcasts have covered all of the major asset classes. This year we dedicate an article and podcast to just the S&P 500 and bonds.  The S&P 500 Index represents the biggest public holding in the U.S. and maybe the world, roughly 80% of the value of all U.S. publicly-held […]

CDs vs. bonds and other important questions

Feb 22, 2018 51:24


Does it ever make sense to use actively-managed funds?  One of our readers asked us to review a major 401k plan (40,000 employees) that offered only two equity asset classes (U.S and international) and in each case they offered an actively-managed and an index fund. I couldn’t pass up using this real-life example to learn […]

2018 Update of Paul’s “Ultimate Buy-and-Hold” Portfolio

Feb 14, 2018 31:38


For many years Paul and Rich have updated the Ultimate Buy-and-Hold Portfolio, and have posted the updates for 2018.  This podcast is a step-by-step discussion of building a portfolio of 10 major equity asset classes. We want to make very clear how much impact each of these asset classes has on the long-term return of the portfolio, as […]

Topics you can’t afford to miss

Feb 7, 2018 43:01


Ken Roberts – of Ken’s Bulls & Bears on KCKQ AM 1180 in northern Nevada – recently interviewed Paul. In this 43 minute conversation they discuss target date funds, the pros and cons of stock selection, how young investors can get a head start, the four most important variables in your mutual funds performance, and the best […]

Pros and Cons of Motif and M1 Finance

Jan 31, 2018 1:00:25


The Motif Investing and M1 Finance companies allow investors to create a customized portfolio of individual securities and ETFs.  Paul and Chris Pedersen compare these two low cost ways to create do-it-yourself robo portfolios.  In both cases there are great advantages and important limitations.  Chris recently compared the important differences in a table that may be useful […]

Passive VS. Active Q&A

Jan 24, 2018 57:01


In Paul’s recent Marketwatch article he explores the debate between the results of index funds and actively-managed funds.  If you review the comments following the article, you will see there are a lot of defenders of active management. In this podcast Paul responds to some of the most aggressive defenders of active management, including a comparison of Warren […]

The #1 investment table

Jan 17, 2018 52:07


Paul discusses the annual update of Callan’s colorful “Periodic Table of Investment Returns 1999-2017” and suggests you view the table while listening:  Paul also addresses the changes to his 401k recommendations from 50/50 U.S/international equities to 70/30 U.S./international, and small cap value from Guggenheim SmallCap 600 Pure Value (RZV) to SPDR Small Cap Value (SLYV); and […]

2017 Portfolio performance plus your questions answered

Jan 10, 2018 52:01


Paul briefly discusses the recent MarketWatch article, “4 simple and effective ways to help a young person get a jump on retirement”  and continues with consideration of 2017 performance of the Vanguard, Fidelity, T Rowe Price, Schwab, TD Ameritrade mutual fund and ETF portofolios recommended at his site, including his favorite. He then turns to how to build the Ultimate Buy and […]

What you should know about 2017 returns

Jan 3, 2018 46:27


DON’T LISTEN TO THIS PODCAST if you don’t like numbers. Many unexpected things happened in 2017.  To understand them it’s important to look at the numbers.  This discussion includes a comparison of large cap, small cap, growth, value, U.S. and international asset class returns.  There is also a comparison of 1- and 15-year returns for […]

What I think about Bitcoin and my 12 projects for 2018

Dec 27, 2017 33:27


This podcast presents plans for 12 major projects for 2018 by The Merriman Financial Education Foundation.  They include fund selection for self-directed 401k plans, new 401k plans, more studies on the long-term impact of saving to retirement, answering more of your questions, teaching more young people about sound investing and interviewing some of the industry’s […]