The Financial Research Corporation released a study prior to the (2001-02) bear market which showed that the average mutual fund’s three-year return was 10.92%, while the average investor in those same periods gained only 8.7%.

Here’s something I have to admit. And I kinda feel bad doing it… I prefer McDonald’s iced coffee over Dunking Donuts iced coffee. No, I’m not a swanky Starbucks type, I even call them Starsucks. I’m just a regular guy who happens to make damn good market calls.