1) This reminds me of the seminal book "Where Are The Customers' Yachts?" http://smile.amazon.com/Where-Are-Customers-Yachts-Street/dp/0471770892?sa-no-redirect

1) This reminds me of the seminal book "Where Are The Customers' Yachts?" http://smile.amazon.com/Where-Are-Customers-Yachts-Street/dp/0471770892?sa-no-redirect=1 http://smile.amazon.com/Where-Are-Customers-Yachts-Street/dp... 2) I have been having good returns (for over a year now) with 2 vehicles: lendingclub.com (P2P lending) and futureadvisor.com (which is in a space I suppose is called "computer-assisted wealth management"; competitors include Wealthfront, etc.) It's basically a financial advisor without the advisor, and thus, extremely low-fee. You get a person if you need a person, and they lean heavily on quantitative analysis to reduce their own investment-decision workload.