In The Effective Investor, Mark Lund reveals the big secrets that are killing the return in your portfolio. Thousands of people own mutual funds, yet never learn these secrets. Most investors have done poorly over the past 20 years-and at the same time have seen their cost of living increase nearly sixty percent faster than their investment portfolios. If you are dissatisfied with current lackluster performance, then you need to read this book. The Effective Investor will reveal 20 investing secrets, such as: How to know if you should be in or out of the market Why some people almost always make money in the market Where the biggest returns come from when investing Why you should never own consumer/retail mutual funds The four myths of investing that cause the biggest mistakes The big planning mistakes with 401(k)s and how to avoid them The principles Mark teaches in this book are backed by the top academics from some of the most notable universities including Harvard, Stanford, Yale, and the University of Chicago. This is the book your current financial advisor hopes you never read."