1. The 40 Year Plan to get Rich
Personal Investing
The 40 Year Plan to get Rich

2. What are you actually investing in
In order to assume an expected return of 8%, your money must be in the stock market
Most common way to do this is Mutual Funds

3. What is a mutual Fund?
Mutual Funds are combinations of dozens (or possibly hundreds) of different stocks
Mutual funds are usually managed by professionals.
These managers will constantly shuffle the mix of stocks so as to maximize value and remove lower performing investments.
Fees involved!
Do your research to find mutual funds with the lowest available fees

4. Benefits of Mutual Funds
Someone else is doing the heavy lifting
You can re-allocate your portfolio at any time to reduce/increase risk/reward
Your money grows slowly in the background, while you deal with actual life

5. Things to remember
You want to find a mutual fund with lowest possible fees
Look for a mutual fund where dividends are reinvested
Be risky in your 20s, 30s and early 40s. Then be conservative as you get closer to retirement