"Timely and practical. This book brings the leading edge of investment information to the prudent investor in an understandable way." - Charles Schwab, Chairman, Charles Schwab Corporation. "to write a book like this on Modern Portfolio Theory and make it understandable would be a very difficult job. John Bowen went ahead and did it. Congratulations." - Merton Miller, Nobel Laureate in Economics. Individual investors today must fend for themselves as they seize control of their own portfolios. In this authoritative and ill-researched book, investors learn how to simply and effectively use popular asset allocation strategies - in combinations with mutual funds - to greatly increase their returns. The reader is walked step-by-step through a low-risk, high-return approach using model portfolios and case histories, plus timely information on emerging markets, tax-saving moves, annuity products, and more. An easy-to-use investment program--with returns that beat most professionals! Praise for previous edition! "Timely and practical. This book brings the leading edge of investment information to the prudent investor in an understandable way, it's a book that should be on every investor's desk."--Charles R. Schwab, Chairman/CEO, Charles Schwab Corporation. "I once told John Bowen that to write a book like this on Modern Portfolio Theory and make it understandable would be a very difficult job. He went ahead and did it. Congratulations!"--Merton H. Miller, Nobel Laureate in Economics; Robert R. McCormick Distinguished Professor Emeritus of Finance, Graduate School of Business, University of Chicago. "Brings academic research and some of the more sophisticated strategies to Main Street. This book is full of practical tips and techniques for better investing. A real winner."--Rex Al Sinquefield, Co-Chariman and Chief Investment Officer Dimensional Fund Advisors, Inc. "Combines groundbreaking research with real-world applications for prudent investing. A great guide for financial decisions."--Kenneth R. French, NTU Professor of Finance, Sloan School of Management, Massachusetts Institute of Technology. John J. Bowen, Jr., CFP, is president and CEO of Reinhardt Werba Bowen Advisory Services. He has written two previous investment books, has appeared on CNBC, CNN, and Bloomberg, and is regularly quoted in The Wall Street Journal, USA Today, and U.S. News & World Report. Daniel C. Goldie, CFP, CPA, is Senior Financial Advisor for Reinhardt Werba Bowen Advisory Services. He oversees $100 million of client assets, and is a frequent speaker at investment workshops and educational seminars.