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.


Fabletics Positive Reviews

Fabletics has increased in popularity for the trendy styles and prints that are used in different workout attire that can be worn on the go. Both men and women can take advantage of the looks to feel confident and increase their fashion while spending time in the gym or when exercising outdoors.


Fabletics caters to a variety of sizes with xx-small to xx-large available, making it easy for adults of different shapes to take advantage of the stylish looks. The products offer breathability and don’t absorb moisture, making it easy to sweat without having to wear damp clothes for the remainder of your workout.


VIP members can save a significant amount of money by paying only $25 for the first outfit that they purchase and only $50 each month for future purchases. If you don’t want to make a purchase on a certain month you can easily skip that month and avoid getting charged. Customers can also choose to shop in-store at brick-and-mortar locations where it’s easy to handpick certain items and try them on before taking the clothing home. The staff is also helpful with making selections and finding sizes that fit comfortably.


Some of the top products that are in demand through the brand include the Two-Piece Tina Set, which is one of co-founder Kate Hudson’s picks from the collection. The outfit includes a high-support midi bra and breathable capris.


The brand also sells a long list of items that don’t necessarily have to be worn while working out. The Sedona Puffer Vest can be worn over outfits and makes it easy to stay warm with its perforated design.


Men can join in on the fun with choosing different styles in-store or on the brand’s website with a selection of masculine clothing garments that are available. The Evolution Cardigan is perfect to wear at home on the weekends and the Transpose Zip Jacket features a modern design that is sleek and youthful.


Other customers favor the brand for the ease of ordering on the company’s website with free shipping that is offered to VIP members. The low prices of the outfits are also favorable and are considered to be affordable compared to other athleisure brands in the fashion industry.

Livio Bisterzo Builds Healthy Snack Empire With Hippeas

Millennials are all about finding the latest heath food snack. We saw an explosion in the popularity of healthy chip alternatives, kale chips. However, the latest product to hit the market is definitely turning heads. Hippeas is a vegan friendly and gluten free puffed chickpea snack that comes in a variety of flavors.

Available in flavors like Sweet & Smokin’, Pepper Power, Far Out Fajita and In Herbs We Trust, each single serving bag is only 100 calories. Each serving offers up 3 grams of fiber and 4 grams of protein. Released in July, the unique snack is available at Starbucks, Whole Foods and Amazon. The health food product is marketed by a relatively new name in the healthy snack food game, Green Park Brands.

Green Park Brands was established in 2015 and markets a number of food and drink products. The company is dedicated to a mission of going green and being environmentally conscious. For example, Green Park Brands is using Hippeas as a way to partner with the Farmers Africa intiative.

Green Park Brands CEO and founder, Livio Bisterzo is no stranger to the health food game. As a serial entrepreneur, he is using his business experience to build a brand that promotes social good and healthy eating. Bisterzo believes that the introduction of Hippeas will open the door for several other innovative products.

Bisterzo has worked in various business ventures besides nutritional products. Before moving to California for the brand’s launch in 2016. He lived in the UK, where he launched a successful high end men’s skincare line. While still in his twenties, the successful entrepreneur had received several awards and recognition, such as being named one of the top 100 most influential people in London in 1999.

As Bisterzo looks to tackle the health food industry with the Green Park Brands company, he is quickly making strides. With a extremely successful first product launch of Hippeas, it seems as if the future is very bright for Green Park Brands and their mission of creating a better world.

Follow @hippeas_snacks on Twitter for more information.

Malini Saba Creates Change Around The World With Stree

Malini Saba, founder of Stree, is a successful international entrepreneur who makes it her job to help at risk women and children all over the globe. She started Stree: Global Investments in Women to help women and children who are often underprivileged. Malini Saba uses her success and fortune to make an international impact.


Saba believes that women and children are the future and must be cared for accordingly. Alongside Stree, she helps them by providing healthcare, safe places to live, and educational opportunities to help make sure their futures are a little brighter.


 Malini Saba has a different view of success. She doesn’t view it in monetary value, but in being able to do what she loves every day. She believes that happiness and doing what you love is the true success. With Stree, she gets to do what she loves each and every day.


Stree has had to deal with governments in those developing countries in major ways in order to make true changes. She and Stree have stood their ground and continued to push for necessary changes. Saba always remembers that she is not just making a change for an individual, but an entire community. That drive ensures that the people she helps get the changes in their communities that they need.


Malini Saba is completely self-made. Her success is due to her continuous passion for everything she does. She grew up in Australia and moved to the U.S. when she was 19. Her and her then husband lived closed by to Stanford University. As a spouse of a student, Saba could attend lectures at the nearby university for free. That was where she became passionate about investment and business.


After crashing meetings and talking to many investment bankers, Malini Saba began investing her long-saved money into different industries like commodities, real estate, and telecommunications. Now, Saba is one of the top investors and philanthropists in the world.


In 2001, she founded Stree: Global Investments in Women. This non-profit organization has the goal of changing the views low income women and children have on themselves and their future roles in society. Stree helps provide means for grassroots movements to connect with public policy, in addition to many other services, in Central America, India, Eastern Europe, and Africa.

Discover The Beauty Secrets To An Award Winning Cosmetic Line With Valuable Tutorials


LimeCrime has an assortment of tutorials that are designed for cosmetic wearers that would like ideas about their products. They provide a superior line of lipstick and eye shadow’s that will give you the opportunity to make a bold statement with your makeup choices. Their tutorials provide testimonials and demonstrations from actual users of the products. None of the guests appearing in these tutorials are paid actors. They have used their own money to purchase the product to provide testimonials and tips to the general public. In fact, their cosmetics have a velvetine matte base that goes on with a rich smooth application and dries to complete perfection.

Youtube Tutorials About Lime Crime Products


These Youtube videos give you options, especially when they’re coming from experts like Evelina Forsell, on ways to inspire your makeup selection. They teach you which colors coordinate with which and how to successfully remove their waterproof line. Their assortment of vibrant colors has sparked a number of ideas from actual users like you. None of the testimonials on Youtube are from paid actors. These are individuals that used their own money and creative ideas to give you tips on great ways to use LimeCrime products. In fact, you can also get clothing ideas to match their bold makeup choices to allow you to make a statement with your cosmetics.


Each product comes in its own individually wrapped package so you can distinguish your makeup from any other product in your purse, cosmetic bag, or from your local retailer. There tutorials are designed to inspire your creativity with their superior makeup products for women.