Many investors wonder if index funds’ popularity has made markets less efficient, thus improving the environment for stock-picking and market timing. While index funds have grown, the majority of dollars remain invested in actively-managed strategies.

Why do so many investors attempt to beat the market each year when research clearly shows their odds of success are extremely low?

According to bestselling author, Michael Lewis, “the stock market is rigged.” Lewis’ claims likely helped sales of his new book, Flash Boys, but shouldn’t cause long-term investors much despair.

Real estate prices can move sharply in both directions, providing an opportunity for savvy investors. Capitalizing on those opportunities, however, is difficult. For most, a house should be thought of primarily as a roof over your head and a great place to raise the kids.

In early February, investors withdrew record amounts from U.S. stock mutual funds, as fears spread over declining global growth, stubborn unemployment, and political and economic troubles in emerging markets. Such turbulence highlights the role safe bonds can play in a portfolio.