Geezer Canadian investor; retirement savings managed by a private manager (Barometer) with excellent results. Because I have no pension fund and need income every month I manage my own corporate account, Most of it is in real estate; however some is in equities, but no bonds, preferred, GICs or the like. To help keep all the possibilities under control, I follow several portfolios: Motley Fool Hidden Gems, several Zacks portfolios including what used to be called Double Your Money. The best advisory groups are Super Stock Picker and I concentrate on its portfolios which specialize in the Canadian market, especially mining - very volatile but excellent returns; another is Contra the Heard, which has a limited membership and specializes in beaten-down wrecks of companies on the US and Canadian stock markets. This is a long-term investment approach which can take years to bear fruit, e.g. ANLY, ZARLINK, or wonderful short term results, e.g. MGIC; overall, over the past 15 years Contra has averaged about 20% a year, some years better, some worse. I also make my own choices - JDU-T, SXC-T, EPAY which are up more than 100% over the years. I also manage my partner's retirement savings, and for her I typicaly buy ETFs, and a wonderful Canadian stock (DFN-T) which includes most of the solid dividend paying Canadian companies, guarantees 10 cents a month per share, or 10% a year, and will break up in 2014. It's book value, last I looked, was about $20 a share. Currently, DFN sells for about $12 a share. My results beat most of the mutual funds.