> small investors (like you and me) Uhmm, maybe you, but definitely not me. Most people I know (I agree though, I live outside NYC or any big financial center)

> small investors (like you and me) Uhmm, maybe you, but definitely not me. Most people I know (I agree though, I live outside NYC or any big financial center) don't give a rat's ass about where the market is going, which stocks are good and which are bad. We invest a lot into our 401(k)'s and the rest we put in index funds. So my interests are definitely aligned more with large institutional investors. BTW my personal investment strategy is not to get some kind of windfall during retirement. The only thing I really look for is that if I saved well, I will have enough to retire on (i.e. not ask for others for monetary help). I just want my funds to not fail.