Why Passive Index Funds Are Not The Safe Way To Invest In Retirement

Warren Buffett has staked $1 million for charity this year to prove that investing in an S&P 500 passive fund will produce higher returns than a group of hedge fund managers. Tim Armour agrees in his wisdom that many hedge funds yield average returns, partly due to the high management fees and excessive trading. On the other hand, the opportunity costs and volatility risks of passive index investments are not precisely known.

Though Index funds have their place, they provide no cushion against down markets. The average actively managed fund has done worse than the market over an extended period, but there are exceptions to this in the likes of American Funds and a few others. There is no a precise way to determine which funds will outperform but on can use filters such as low expenses and high manager ownership to make a judgment. With many Americans retiring the real talk should be about the right steps, this investor can take to earn higher returns.

Tim Armour is the chairman of Capital Group, an American Financial Services company based in Los Angeles, California. The company manages over $1.4 trillion in assets for its clients and is one of the world’s largest investments firms with offices around the globe. They are focused on delivering superior results to their customers who include long-term individual investors and financial institutions around the world through products such as American Funds, one of the largest mutual funds families in the US.

Mr. Armour is an alumnus of Middlebury College where he graduated with a Bachelor’s Degree in Economics. He then started off his 34 years of investment experience at Capital as a participant in The Associates Program. He later worked in the same company as an equity investment analyst, covering global telecommunications and U.S service companies. At the time of his election as chairman of the group, Tim Armour served as the chairman of Capital Groups management committee and Capital Research.

Kate Hudson’s Fabletics Uses Successful Reverse Showrooming Model to Thrive in the Fashion E-Commerce Market Space

Making it in the fashion e-commerce market is not an easy task, especially considering that a company like Amazon controls at least 20 percent of this market. However, Fabletics is proving pundits wrong by growing and expanding despite the cutthroat market competition. In 3 years, the venture has grown into a thriving business worth $250 million. As part of the developing ‘active wear’ movement, Fabletics uses a payment mechanic to sell their clothing to its clientele. The principle is straightforward, clients like brands that are inspiring and push them a little, blend this with membership and expediency, and you get a great sales mixture.

High-Value Branding

Historically, high-value brands have been defined by price and quality of their goods or services, but of late a bulge in economics means this mishmash is no longer an adequate measure of value. Instead, the new determiners of what is high value to the new consumer are brand recognition, gamification elements, last-mile service, exclusive design, and customer experience.

Fabletic’s Marketing Strategies

Likening themselves to Warby Parker and Apple, Fabletics’ positioning and marketing scheme is an enticement for the fashion membership brand. As a result, they will be opening more physical stores this year adding to the sixteen that are presently open in places like California, Hawaii, Florida, or Illinois.

Reverse Showrooming

In showrooming, people browse offline then buy goods at a lower price elsewhere, which is killing the counterparts, but as for Fabletics, they have modified the model because of the unique way they started out. Fabletics have turned browsing into a positive. Their current strategies have enabled them to know local markets through events and build relationships instead of using the pop-up store method. Due to this, 30-50% of the people that walk in are already members and another 25% join in-store. Fabletics does not care whether the customer purchases in store, they view retail as another service.

Fabletics understands that in order not to destroy the client’s brand journey, they have to show the correct content in the physical as well as in the digital. By use of local online data, it suggests that physical stores will only stock what is attractive to them and can be switched as trends or tastes change. Social media opinion, membership preferences for local members, real-time sales activity, and store heat-mapping data governs how stores are stocked.

Review of Fabletics

It is a fitness apparel company owned by Kate Hudson. It operates on a monthly membership structure. Soon after joining, you take an assessment on what kind of workouts you do and what styles of attire you like, after which, at the beginning of each month, workout outfits are picked out for you.


Their services are impressive. Compared to the price paid, the quality is much higher. The leggings rival the quality of the Lulu lemon underwear. They have great compression, are thick, don’t fade, and hold their shape and compression over time. The tops are also soft and high quality.

Forty Million Bottles Sold: WEN By Chaz Delivers Great-Looking Hair, Again And Again

As women, we enjoy our beauty routines and get used to doing the same thing continuously. The saying “Old habits die hard,” really seems to affect many of us.

Shampooing with lather formulations appears to be one of those common habits difficult to break. Some think that a lather shampoo is the only way to thoroughly wash the hair.

Hollywood stylist Chaz Dean knows otherwise, and that is why the veteran hair care expert developed the WEN By Chaz no lather shampoo system. His incredible botanically-based formulas do everything a shampoo and conditioner do and much more. WEN has sold more than 40 million bottles all over the world; that says something about the man, his line and integrity.

One bottle cleanses like a shampoo, conditions, de-tangles, deep conditions and acts like a leave-in conditioning treatment. There is zero lather and zero harmful parabens and sulfates like other shampoos and conditioners. Best of all, these cleansing conditioners smell heavenly and leave behind strong, full, shiny tresses, no matter what hair type you have.

Who wants to pour parabens and sulfates onto their scalp and hair? Think about it; these chemicals are the same ones found in our household cleaning products like laundry detergent.

WEN’s cleansing conditioners are wonderful to massage into the scalp and hair, because these natural plant-based ingredients are gentle, soothing and protect strands from root to end.

WEN By Chaz is so pure and healthy, Chaz Dean, http://chazdean.com/, has also created a WEN Kids line and WEN Pets. All of these hair care items are made into cleansing conditioners that create gorgeous manes.

Need Wen? Wen products are available on Sephora stores nationwide. For online orders, visit the Wen.com website or guthy-Renker.com.