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Are you as stupid as your financial adviser thinks?

According to research firm Dalbar, investors underperform the mutual funds they invest in by at least four percentage points a year.

INVESTORS need to be saved from themselves. That's the conventional wisdom, and there's some truth to it.

Individual investors can have comically bad timing. They buy when stock prices are high. They panic and sell when markets plunge.

They invest with the hot mutual fund managers

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