The latest "great investment idea"

I was reading an article on Small and Mid Cap Mutual Funds that included S&P research.  The article talked about the success of the mutual funds and included this paragraph:

S&P’s Investment Policy Committee recommends keeping 6% of portfolio holdings in mid-cap stocks, and 4% in small-cap stocks. The committee recommends a blended position, but for those hoping to pick up some additional yield, there are some signs that point to better performance from the value side of the small- and mid-cap universe compared with the growth side. S&P Equity Research estimates that earnings per share for S&P/Citigroup Mid-Cap Total Return Value index members will rise by 20% in 2009 compared with a 27% decline for its sister Growth index. Earnings for S&P/CitiGroup Small-Cap Total Return Value index members are seen rising 13%, compared with a 21% decline for the Small-Cap Growth index.



And the recommended mutual funds are:

So when you start to focus on 3 year returns, remember you are suppose to buy mutual funds for the long run or buy and hold, why would you not purchase a fixed annuity with a multi year rate guarantee?  Say; 4% to 5%.

My point is; do you want to plan your retirement or college fund around maybe or could - or do you want to do planning with what will happen?  Retirement Income Modeling can only support one or two variables.  Not knowing how much your acount will be worth in the future is toughest variable to plan with.

It is your life.