Somos lo que pensamos. Todo lo que somos surge con nuestros pensamientos. Con nuestros pensamientos, hacemos nuestro mundo. BUDA - Tony Robbins

Most big retail firms sell you notes that have substantial commissions, underwriting fees, and distributions fees; all of these will take away from your potential upside. Accessing structured notes through a sophisticated, expert fiduciary (a registered investment advisor) will typically have those fees removed because a fiduciary charges a flat advisory fee. And by stripping out those fees, performance goes up.

Thus it’s critical that — on a daily basis — we stand guard at the door of our mind, that we know how we are consistently representing things to ourselves. We must daily weed our garden.

Then you need long-term government bonds. Fifteen percent in intermediate term [seven- to ten-year Treasuries] and forty percent in long-term bonds [20- to 25-year Treasuries].