Jack Ma

In my experience, index funds often outperform managed portfolios for the majority of investors due to lower costs and market-matching returns. They simplify the investment process and reduce the risks associated with active management.

Employees should be empowered to manage their own finances, including Social Security contributions. This approach promotes financial literacy and independence, allowing individuals to make decisions that best suit their personal and familial needs. It also encourages a culture of responsibility and planning for the future.