Just came across another good article from MarketWatch... "6 ways Vanguard has changed the way people invest."

http://www.marketwatch.com/story/6-ways-va...15-05-09?page=1

1. FYI, Vanguard is a fund company in USA, with very low fees.

2. 3 of the points is on why people choose to invest with Vanguard:
"Costs matter" - it gives the best value to its customers.
"Avoid complacency" - it constantly improves its method of doing business.
"It’s best to ignore trends, fads and..." - its sales is not market driven, but based on sound investment ideas.

3. The other 3 points is how its customers grew rich with Vanguard:
"Starting small leads to finishing big" - it is never too early to start saving.
"You must invest regularly" - Saves and invests as you earns.
"Patience matters, too" - never wavered from fundamental belief that doing the right things pays off in time.

Cheers. Keep investing... regularly.

Do's and Don'ts of Choosing a Unit Trust Fund

Do
•Decide which type of unit trust fund meets your saving needs.
•Shop around for a reliable unit trust company.
•Check whether investment limits and frequency of income payments are suitable.
•Check past performance records.

Don't
•Don't choose any unit trust fund just because its performance was good. Instead, make sure the fund meets your risk appetite and financial goals.
•Don't pay too much attention to short term performance as good consistent performance over all periods is the best lead.
•Don't decide on a unit trust fund simply because it has low charges. Strong management of the fund is far more important.
•Don't borrow to invest in unit trust unless you are absolutely aware of the risks involved.

http://www.publicmutual.com.my/Resources/U...ustLessons.aspx

noted...
just up to individual the believes what he wants to believes.
just like some believes that "historical evidence suggest that most fund managers underperformed the benchmark index over the long run" does not applies to some local funds.
because they believes some local funds are hitting their benchmarks frequently.

but these quantified risk are managed and monitored by the fund manager....the some would just believes in seeing consistent impressive annualized ROI records.

as i believes these "return vs risk metrics" or any "technical terms used by the other some.....should be handled by the fund manager as they have the financial adviser and planner and BIG computers....
then i believes some would just be happy if the fund can give an annalised returns of > 10% for the past 10 years.

i believes if you want to participate in the discourse on fund investing....particularly your post in 2931.....then it is best to talk to the originator of that article....the website and contacts are there too......and not educating the masses here.

there are always 2 sides of a coin....
there are always 2 views on a half glass of water....

if want to debate about the point 3......you know where to get the contact of the originator of that article.

like you just mentioned.....why educating the masses here by debating?