[Tom '74 911]

I was talking to my financial person at the beginning of the year and she confided that the partners in the firm play a little game at the beginning of every year where everyone writes down how they think the year will go, what will happen in the markets, what stocks and investments will be good and what will be bad... and that they had just had their year-end meeting to discuss 2017. NOT ONE PARTNER was correct in their predictions.

So, either everyone in the firm is a complete bonehead (which is not the case) or really, no one can predict the future - imagine that.

As boring as it sounds, it's really hard to beat a market based index fund.