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You may be paying your money manager to under-perform the market — Now learn how to fix it.

We’ve all been taught to ‘Buy and Hold’ — So we explored who benefits from it the most. Now, we’ll make the case for why you may be paying your money manager to under-perform the market.

The mutual fund industry is the world’s largest skimming operation, a $7 trillion trough from which fund managers, and brokers are steadily siphoning off an excessive slice of our nation’s household, college and retirement savings.

During 2016, the SPIVA® U.S. Scorecard reports that 84.62% of large-cap managers, 87.89% of mid-cap managers, and 88.77% of small-cap managers underperformed the S&P 500®, the S&P MidCap 400®, and the S&P SmallCap 600®, respectively.

The buy-hold figures are equally unfavorable when viewed over even longer-term investment horizons.

The buy-hold figures are equally unfavorable when viewed over longer-term investment horizons. Over the five-year period, 91.91% of large-cap managers, 87.87% of mid-cap managers, and 97.58% of small-cap managers lagged their respective benchmarks.

Similarly, over the 10-year investment horizon, 85.36% of large-cap managers, 91.27% of mid-cap managers, and 90.75% of small-cap managers failed to outperform on a relative basis. With these numbers in play, you may be paying your money manager to under-perform the market. 

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key takeaways

So who benefits the most from Buy-Hold? Are you paying your broker to under-perform the S&P 500? 

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Retire Smarter’s Concierge team is here to help you reach your financial goals — Learn about our unique approach to retirement, here.

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smart insights.

AUGUST // 2021

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SEPTEMBER // 2021

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