I have followed the financial markets since 1996, with its ups and downs. Unfortunaletly, today, with the experience with fraud at the level of the best corporations in the world, and the cooking of the accounting, my trust is not the same. The market now is ruled by automatic trading, obviously based on good principles, that in many instances do not work.. Because of the above information, I have conclude my investments will favor index funds. Under the current environment, I advocate fixed equity. The more active you are, and the more sophisticated tools you use, more money you will loose. Good luck to everybody and remember to be patient.