[Today’s post is from Wealthy Doc, an MD/MBA who has already reached financial independence. Warren Buffett’s annual shareholder letters are must-reads for all serious investors. Buffett uses his folksy temperament and storytelling to teach important investment principles. In this article, Wealthy Doc describes Buffett’s 2006 story of “How To Minimize Investment Returns,” which describes how the greed of investors leads to more and more of their money being lost to the financial services industry. This article previously ran on Wealthy Doc’s blog in February 2018. -WSP]
Warren Buffett told a parable in his 2006 shareholder letter to teach us how to get rich. This post is based on his thought experiment. His lesson is timeless and vital.
Let’s suppose that you and I and all the physicians in America own all the stocks. Let’s call it Caduceus Trust. Our medical investment fraternity owns all the businesses behind all the stocks available. Pretty sweet deal, eh?
The total return to us would be close to $1T. We would be fat and happy for sure. This income would attract some “helpers.” The first layer of “helper” might approach a few of us. He would explain that through smart buying and selling we could do better than the other Trust members. We’ll call this first layer the “broker helper.” The “helpers” charge a fee of course, for all the buying and selling. Since the only other participants are Trust members, the total amount of stock hasn’t gone up or down. We just lost some of the revenue as a group due to commissions.
Some of the trust members will eventually realize that they aren’t doing so well compared to their fellow trust members. They don’t know when it is best to buy or sell. They also don’t know how to pick a good broker. So, they hire a new layer of “helper.” These “manager helpers” still use the “broker helpers” to carry out the transactions adding another layer of fees. This removes from the wealth of the whole group.
How can we have confidence that we chose the best “manger helper?” It is hard to tell. So, in come the next layer of “helper” the financial planner and institutional consultant. By now we could realize that we couldn’t pick the right stock or the right stock-picker or even the right manager, so what makes us think we can pick the right “planner helper?” But we are blinded by opportunity and inequity. Consequently, our pie has shrunk some more, due to yet another layer of fees.
Caduceus Trust now supports three layers of expensive helpers. The Trust members sink into despair when they realize their investment results keep getting worse and worse. The solution is clear by now isn’t it? We need to add a layer of “hyper-helpers.” We will pay them at a much higher rate, that way they will bring us more benefit. Welcome to the “hedge fund helpers” and the “private equity helpers.” They take as much as 20% of all profits plus a 2% annual fee in addition to the other three layers of fees. Surely, this will bring us more wealth!
I hope this picture is clear by now. If not, read Warren Buffett’s original letter. He is not only a brilliant financial mind, but an excellent writer as well. This story shows the folly of adding frictional costs to investing in hopes of a better return. All it does is subtract from the returns.
Returns fluctuate, but costs persist. Most of this damage is already done. But if you have an opportunity to cut out a layer of fees (by firing your financial advisor) or cut the rate of your expenses (by shifting to low-cost, broad-based index funds), it is your only hope of coming out ahead.
That is a great example of the misguided thoughts leading most of us early on to make the wrong investment choices. I thought that if I paid a professional (financial planner) that I was doing myself a favor when I was in residency. Turns out that he had his best interest at heart wanting commission rather than putting me in something worthwhile (got put in a front loaded high expense ratio fund).
Only after reading up on finance and visiting financial blogs did I come across the concept of passive index investing and the logic behind it resonated with me. I don’t need to hit a home run to win the game, it’s the constant base hits that really run up the score by just getting market returns.
Xrayvsn,
Your story is all-too-common. That conflict of interest from salespeople preying on residents that I witnessed in 2006 is what drove me to start my website. It still drives me. I gave a talk to residents this week. We can only inform a few at a time, but it is worth the effort.
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I was fortunate enough to learn all this before I had any real money and never got swindled.
My only experience with a financial advisor was in residency. I was at a gas station and the guy who pulled up next to me was a financial advisor. When he saw my stethoscope he suddenly became very friendly and couldn’t give me his business card fast enough. Dollar sounds were ringing in his mind, I’m sure.
‘Fortunately’ my time in the “big city” taught me that anyone approaching me on the street is trying to sell something.
Cutting out the fees and the middle men and keeping things real simple seems so self evident. Let’s keep on getting this message out there to our trainees!
Great article, Wealthy Doc. Enjoyed your clear, concise and persuasive prose. In the serenity prayer, costs represent your ability to exert control over things within your domain, while naturally fluctuating market returns those things beyond your control. If only we can find the wisdom to know the difference.
Fondly,
CD
CD,
I agree. Cost is one of those important factors that we have a lot of control over.
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Nice story. But keep in mind that if all of us were to become passive index investors, there’ll be astronomical alpha opportunities for stock pickers again, see Grossman-Stiglitz’ 1980 AER paper “On the Impossibility of Informationally Efficient Markets”
The temptation to go non-index and beat the market will always be there. And last time I checked, that’s what Warren does himself, right?!
Thanks for checking in. I’ve long thought that the way this ends is an equilibrium where most, but not all of the money goes to index funds, allowing some very astute investors to make small alpha, but likely enough to justify a 0.25% ER, but not 2 and 20. However, once everyone hears that someone is making alpha (see Buffett’s story in this article) that will drive some investors out of index into active, which will make the market efficient enough to cut alpha back down to near zero.
-WSP
I can relate, Kpeds.
I think some people “get it” right away. What goes to “them” takes away from my nest egg. Others need to learn by the School of Hard Knocks.
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Investing in Bitcoin can be both exhilarating and risky. For many, the attempt at quick gains can overshadow the potential risks, leading to unfortunate encounters with scammers and fraudsters. I, too, fell victim to the promises of easy wealth, only to find myself ensnared in a web of deceit and financial loss. It was January 2024 when I stumbled upon an enticing opportunity, a chance to multiply my investments in Bitcoin exponentially. The promise of unrealistically high returns clouded my judgment, blinding me to the warning signs that should have been glaringly obvious. In my eagerness to seize this supposed golden opportunity, I neglected to conduct thorough due diligence, a mistake that would cost me dearly. As the weeks passed, my initial excitement gave way to growing unease as I realized that something was amiss. Requests for additional funds, vague explanations, and a general lack of transparency left me feeling increasingly apprehensive. Despite my growing doubts, I continued to invest, clinging to the hope that my fortunes would soon turn. my hopes were shattered when the truth finally emerged. I had fallen victim to a sophisticated cryptocurrency scam, and my hard-earned money had vanished into the depths of the digital abyss. The realization hit me like a sledgehammer, leaving me feeling betrayed, angry, and helpless. I found myself adrift in a sea of despair, unsure of where to turn or how to reclaim what was rightfully mine. The prevailing belief that recovering stolen bitcoins was a futile endeavor only added to my sense of hopelessness, leaving me resigned to the notion that my funds were gone for good. But then, a glimmer of hope appeared on the horizon in the form of a Reddit post. A user shared their experience with HACK SAVVY TECHNOLOGY, a company specializing in the recovery of stolen cryptocurrency. Skeptical yet desperate, I decided to reach out to them, clinging to the slim possibility that they might be able to help me. To my astonishment, HACK SAVVY TECHNOLOGY responded swiftly, offering reassurance and guidance every step of the way. Their professionalism, expertise, and dedication instilled a newfound sense of hope within me, dispelling the doubts and fears that had plagued my mind for so long. Through meticulous investigation and relentless pursuit, HACK SAVVY TECHNOLOGY was able to trace the path of my stolen bitcoins, unraveling the intricate web of deception woven by the scammers. With each passing day, their progress filled me with renewed optimism, until finally, the moment of truth arrived. I watched in disbelief as my lost bitcoins were returned to me, like a phoenix rising from the ashes of despair. The sense of relief and gratitude that washed over me was indescribable, a testament to the invaluable assistance provided by HACK SAVVY TECHNOLOGY . My experience serves as a cautionary tale for anyone considering investing in Bitcoin or other cryptocurrencies. While the profit potential is undeniably enticing, it is crucial to exercise caution and vigilance at all times. Trusting blindly in promises of easy wealth can lead to devastating consequences, but with the right support and guidance, recovery is not only possible but achievable. As I reflect on my journey, I am filled with gratitude for the opportunity to reclaim what was rightfully mine. Thanks to the unwavering dedication of HACK SAVVY TECHNOLOGY, I have emerged from this ordeal stronger, wiser, and more resilient than ever before. Kindly find their contact details above.
With an amazing experience, I can’t help but talk enough about Elite web Recovery services. Sometimes on June 19, an intruder managed to get into my email and my data and my BTC wallet were compromised, leading to the loss of my savings and operational business funds in the amount of $560,000. It was horribly crazy! Amidst my confusion, a staff member mentioned Elite Web Recovery and I contacted them immediately. Luckily, it only took them just a couple of days to be able to get me back into my wallet which I was unable to access, and also eventually get my lost money back after verifying ownership. I highly advise anyone having such issues to contact them through elitewebrecovery@cash4u.com for their assistance
My journey from victim to victor serves as a testament to the resilience of the human spirit and the power of perseverance. To those who find themselves ensnared in similar predicaments, I offer this beacon of hope: recovery is possible, even when the odds seem insurmountable.In closing, I extend my heartfelMy recent encounter with SWIFT SPY ASSETS RECOVERY marks a pivotal chapter in my life, one fraught with deception, hope, and ultimately, redemption. It began with what seemed like a promising investment opportunity but quickly unraveled into a sophisticated scam that left me reeling. It all started innocuously enough on the Telegram app, where I was lured into investing in what purported to be stocks of tech giants like Amazon and Apple. The scammers convinced me to download MetaTrader and Trust Wallet, tools that seemed legitimate for managing investments and cryptocurrency transactions. Little did I know, these were mere props in an elaborate scheme designed to defraud unsuspecting investors like myself. Eager to capitalize on what appeared to be a lucrative venture, I began funding the trading app with substantial wire transfers, eventually amounting to over 180,000USD. Each transaction seemed to reinforce the illusion that my investments were thriving in the booming tech market. However, the truth was far more sinister. It wasn’t until I attempted to withdraw my supposed profits that I realized something was amiss. Communication from the scammers became sparse, and when I did manage to contact them, their promises grew increasingly hollow. It dawned on me then: I had fallen victim to a meticulously orchestrated scam, and my hard-earned money was now in the hands of faceless criminals. In a desperate bid for justice, I turned to the NYPD, armed with evidence of my transactions and a trail of deceit. However, after a month of investigation, their verdict was disheartening: crypto assets, once transferred, were virtually untraceable. I was devastated by the realization that traditional law enforcement channels seemed ill-equipped to tackle crimes of this nature.Despite the bleak prognosis, a glimmer of hope flickered within me. I refused to accept defeat and resolved to explore alternative avenues for recovery. It was during this exhaustive search that I stumbled upon SWIFT SPY ASSETS RECOVERY, a name that would soon restore my faith in the fight against cybercrime. With little to lose and everything to gain, I entrusted Cyber Tech Wizard with my case. Swiftly, they sprang into action, meticulously tracing the convoluted path of my funds across the digital ether. Their expertise and determination were evident as they navigated through the complexities of blockchain transactions and cryptocurrency protocols.In a remarkable turnaround, just 72 hours later, SWIFT SPY ASSETS RECOVERY delivered the news I had begun to believe was impossible: my funds were successfully retrieved and restored to my bank account. The sense of relief and vindication was overwhelming, contrasting starkly with the despair I had felt mere days before. My journey from victim to victor serves as a testament to the resilience of the human spirit and the power of perseverance. To those who find themselves ensnared in similar predicaments, I offer this beacon of hope: recovery is possible, even when the odds seem insurmountable. In closing, I extend my heartfelt gratitude to SWIFT SPY ASSETS RECOVERY for their unwavering support and unwavering commitment to justice. They did not only restored my financial losses but also renewed my faith in the pursuit of justice in the digital age. To anyone navigating the aftermath of a scam, remember this: there are allies in the fight for restitution, and no setback is insurmountable with the right allies by your side. hire them to work for you if fallen vitim with the following information. Email.. (swiftrecoveryservice006 AT gmail DOT com) or WhatsApp number: +1 (786) 684‑0501. Or Telegram: SWIFT_HACKING website at https://swiftspyassetsrecovery.com
With my balance of $3,400,000 in BTC no longer showing up, I felt confused and knew something was wrong! My wallet has been compromised! Since I already heard something about BTC Recovery, I had to go online to search for a verified/reliable firm and I found Space Spy Recovery amongst a few others and immediately contacted Space Spy Recovery, and they rightly were able to get back my money using their advanced technology. To contact them, use: Email: soacespy@hackermail.com )(WhatsApp: +1 (657) 543 6038 (Telegram: @spacespy65)(Skype: live:.cid.2b75b0cf1ce9bf69)
With the Global acceptance and mass increase in active users of Digital currency, comes its many challenges with the most worrisome probably being stolen funds and even emptying your balance to 0.00 USD and this exactly was my experience four days ago after my balance of $110,000 was cleared. Glad I had known about Space Spy Recovery through a close friend whom they helped earlier and once I contacted them, they deployed their high tech expertise and recovered my money back. Contact them for all Crypto solutions: addresses: soacespy@hackermail.com. Telegram: @spacespy65; Skype: live: cid.2b75b0cf1ce9bf69; WhatsApp: +1 (657) 543-6038; YouTube: https://youtu.be/m8DDfVwc_lE,