There's a popular industry commercial out there right now that the representative sits down with the client, and explains, actually explains, where the money is invested. The ambience of that commercial, the environment of that commercial that they’re trying to create is this like, “Wow! I never knew that before.” Now, I'm just amazed at that.
How is it that someone doesn't know how their money is invested? However, it's true. I talk to several people every month that when I ask them how their money is invested, do they know actually where it is, they might know the investment company and they might know the name of the investment. But they don't know how that investment is actually being invested, where is that money being placed, and why is it being placed there.
I think that sets them up for not having a realistic expectation for how this is going to behave, for how high or how low an investment can go in terms of the balance changing. When you don't know that, or you have an unrealistic expectation of what that's going to look like, you can get all torn up by the market movement. That's what we're trying to avoid, we're trying to avoid you being upset. We're trying to avoid you getting all torn up. Trying to create realistic expectations, so one thing that we want you to know is where is this money invested, and why? What do we expect from it?
Once we have a clear understanding of where the money is, what the money is supposed to do, why this asset is included in the mix, then we have a better understanding of what we can expect from it in the future. I think that gives you greater peace of mind, gives you a better understanding of what we're trying to accomplish, and gives you a feeling that you're doing the right thing and you know you know this is a good thing for you.