What’s the toughest challenge for many investors? Staying the course for the long term. In this podcast, Paul discusses what he considers "the most useful information for investors.” While adding new insights to his Ultimate Buy and Hold Strategy), Fine Tuning Your Asset Allocation) and Distributions in Retirement) articles and podcasts, Paul explores nine decades of returns for six asset classes that academics have studied for over 50 years. It turns out that the end result of the returns has been exactly what the academics predicted, but the trip was not an easy one for investors. See and download the Tables referenced here). Paul hopes that in understanding this, all investors — especially young investors — will see that the strategy with the most predictable returns is also the one with the best predictable returns, and maintain the focus and confidence to make it through the normal ups and downs of the market without giving up.