reason for this may be the fact that market surges (up or down) are unpredictable missing just the top 25 days of market performance over the last 40 years would result in you having 3.6% less per year than if you had just stayed the course. Which style should you use? Investing in both active and passive investments makes sense. In smaller more specialist areas of investment it can sometimes be difficult to find the right passive investment. In larger markets ETF’s and indexes can be cheaper and more efficient. There are a variety of measures to make the right decision. Consult with a professional to show you the options. If th ey aren’t clear then be passive with them. Credence Independent Advisors News was born from a compelling opportunity in the financial services world. In the ever changing dynamic world of financial services, it is important for us to tailor advice and solutions to individual needs.