Gage DeYoung

Credit card companies refer to us as "Deadbeats" if we pay off our credit cards monthly and avoid their high interest charges while simultaneously taking advantage of their generous reward programs. Similarly, a "Wall Street Deadbeat" strives to minimize the fees and expenses associated with their investment portfolio while still utilizing a professionally allocated model to efficiently grow their wealth.

Significantly lower long-term return forecasts for stocks, bonds and cash require a proactive low-cost approach to investing.

This guide is for investors that want to keep more of their investment portfolios for themselves by giving less to Wall Street. It advocates using low-cost investments to build your investment portfolio, presents important investment portfolio building and management topics (asset allocation, diversification, laddering and rebalancing) in a simple way and provides sample models of low-cost "deadbeat" stock and bond portfolios.