My first reaction is to flag and leave a snarky comment. Instead I'm going to comment and upvote. This is terrible advice on investing and not a starting point

My first reaction is to flag and leave a snarky comment. Instead I'm going to comment and upvote. This is terrible advice on investing and not a starting point. Hold cash? Wait for the right time? Give me a break. And then they recommend you invest with them! I recommend The Four Pillars of Investing by William Bernstein. http://www.amazon.com/The-Four-Pillars-Investing-Portfolio/dp/0071747052 http://www.amazon.com/The-Four-Pillars-Investing-Portfolio/d... At least he isn't trying to sell you anything besides the book.