Why Investments Outperform Investors

Those in the market don't want to see their decisions as market timing. But too often they are.

I would like to think of myself as a boating enthusiast. Yet, if it were a crime to be a "boating enthusiast," the evidence to convict me would be weak and circumstantial at best. Boating enthusiasts are out on their vessels regularly. I, on the other hand, find reasons (read: excuses) to not go out on a particular day. For example, it may be too windy or not windy enough. Or it might rain. Yet, the reality is that most days would be just fine and present a wonderful opportunity to be on the water—and I'd wish I'd have gone out.

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Robert Klosterman, CFP®
CEO & Chief Investment Officer, White Oaks Investment Management, Inc.

Robert Klosterman, CFP® is the CEO and Chief Investment Officer of White Oaks Investment Management, Inc., a fee-only investment management and wealth advisory firm. Bob is the author of the book, "The Four Horsemen of the Investor's Apocalypse. White Oaks has been recognized by CNBC.com as one of the "Top 100 Fee-Only Wealth Management firms in the country.