Remember your 401k plan is a retirement savings vehicle not a forum to speculate and gamble. You must have a plan and strategy to successfully reach your retirement goals.

The unstoppable Jim Cramer is touting the “countless companies” that will benefit from lower oil prices, like Fedex (FDX) and Darden Restaurants (DRI).There’s no data indicating Cramer’s percentage of stock “winners” is greater than what you would expect based on random chance. As former stock analyst Henry Blodget observed, “[I]t would be impossible to write a “Bad Advice” column about investing without discussing Jim Cramer.”If we can persuade terrorist organizations to follow market timing and stock picking advice, their financial demise is practically assured. Anyone familiar with the data would agree. During the ten year period from January 1, 1988 to December 31, 1997, the S& P 500 had an average return of 18.04%. A study of 25 prominent market timing newsletters found their average return was only 11.06%.

I am very confident my plan will work. It has been successful for decades with U.S. investors. For the twenty year period from January 1, 1991 to December 31, 2010, the average stock fund investor earned an annualized return of only 3.17%, compared to 8.21% for the S&P 500. After inflation and taxes, these hapless investors lost money.

Dan Solin can help investors avoid the traps of financial institutions and enjoy their life.

Please comment or call to discuss how this affects your plan.