Why are you being downvoted? Your comment is spot-on. Look at the market performance of 2011 and you will see why: Stocks: +0.93% US Treasury Bonds (Long Ter

Why are you being downvoted? Your comment is spot-on. Look at the market performance of 2011 and you will see why: Stocks: +0.93% US Treasury Bonds (Long Term): +33% Gold: +10% He's exactly right about Buffet. Buffet makes all his money because Berkshire Hathaway collects all of these insurance premiums and he can use the cash flow float to make a few extra points of interest (above inflation). Do this with enough $billions for long enough and you will own all of the money in the world.