Only the gauche, the illiterate, the frightened and the pastless destroy money.
I can tell you from 30 years of experience that the difference between successful investors and unsuccessful investors is the investor, not the investment.
With the advent of discount and robo-brokers, no-load mutual funds and exchange traded funds that cover all of the major investable asset classes are now widely available to anyone. Since the 1970s and the collapse of fixed commissions in the United States, we truly have witnessed a democratization of investing. All the investments are there and are available to everyone with no barriers ...