"Do not expect high returns without high risk. Do not expect safety without correspondingly low returns." - Dr. William Bernstein

"While I certainly don’t think that all actively-managed funds are poor investments, I am firmly convinced that most investors would be better off using index funds instead." - Mike Piper

"Wall Street promotes the possibility of earning superior returns--not the probability." - Rick Ferri

"Asset allocation is critically important; but cost is critically important too – All other factors pale into insignificance" - Jack Bogle