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When we discuss investing in the stock market, most people think of investing in individual stocks. Paul shares that the returns with this approach are problematic. Listen along as Paul and Arlene talk about a different approach called asset class investing and explain the difference between picking individual stocks and investing in commingled investment vehicles. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax (http://paulwinkler.com/relax) and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.