Most people I talk with are concerned with "beating the market" when what they should be concerned about is covering the basics: an adequate cash reserve for "things that come up", paying off high-interest loans and credit card debt; insuring against loss of income and loss of assets; and proper documents if you become unable to make your own financial decisions.
Only after you have the basics covered should you think about your investment plan. And forget "beating the market." Concentrate on "achieving your goals and objectives" instead. If you give your investment plan enough time and enough money you eliminate the stress of achieving a target percentage return. Why risk your future to something that you (nor anyone else) can control? Focus on the things you can control: the timing and the amount of the additions to your investments. A broadly diversified global asset allocation that is fine-tuned to your specific risk tolerance and risk appetite that can stand the test of time is all you need.
And find someone you can trust to help you out with your money. As human beings, we become emotional and react emotionally to our fears of the things we cannot control. Find a trusted and caring professional who will act as a buffer to your emotions and keep you from making costly mistakes.
If you and your life savings are being ignored or feeling taken advantage of, come join our family. We are a family-owned financial planning and investment advisory firm who promise to treat you like family. No products. No hard sell. No gimmicks. Just honest advice based on four decades of experience.