Since 1985, Mr. Swensen has been responsible for managing and investing Yale's endowment assets and investment funds, which total about $22 billion. Realizing an annual return of more than 17.2 percent on his investments over the last ten years, Swensen has added more than $16 billion to Yale's coffers. According to an analysis by investment fund research firm Morningstar, Mr. Swensen's performance tops 99% of U.S.-based mutual funds.

Mr. Swensen's book "Unconventional Success: A Fundamental Approach to Personal Investment," describes the MarketRiders investment approach. Swensen states that investors should hold six asset classes. Once target asset allocations have been set, a portfolio should rebalanced regularly to stay close to the targets. Few individual investors have the time or resources to pick stocks. "Individuals who attempt to compete with resource-rich money management organizations simply provide fodder for large institutional cannon," he writes. Well-constructed indexes from non-profit fund companies like Vanguard are the best way for most investors to own index funds.

John Bogle invented index fund investing, the principal tool used by MarketRiders. Most people do not know that Bogle formed Vanguard as a non-profit organization in order to protect working Americans from the onerous fees charged by Wall Street. Mr. Bogle took a lot of flack over this unique concept of an index fund and was even labeled Un-American. Vanguard is now the 2nd largest fund organization in the world with current assets totaling $1 trillion.

In a speech to West Point graduates Mr. Bogle states: "You'll just have to forgive my continuing enthusiasm for indexing and my unshakable conviction that low-cost index funds are the way...listen to Jack Meyer, the former manager of Harvard's incredibly successful endowment fund: 'The investment business is a giant scam. Most people think they can find fund managers who can outperform, but most people are wrong. You should simply hold index funds. No doubt about it.'"

MarketRiders couldn't agree more. Our portfolios are built using index funds and have consistently benchmarked better than active management.

Dr. Sharpe was awarded the Nobel Prize in Economics for originating the Capital Asset Pricing Model and devising the Sharpe Ratio for investment performance analysis. Dr. Sharpe's numerous articles and books are largely dedicated to proving that index funds are vastly superior to active management and simulating the performance, based upon various levels of risk, of well diversified asset allocation models.

Dr. Sharpe's 2002 speech "Indexed Investing: A Prosaic Way to Beat the Average Investor" is an excellent explanation of how MarketRiders works.

Dr. Malkiel is an economist and writer, most famous for his classic finance book A Random Walk Down Wall Street (now in its 9th edition). Dr. Malkiel also served as a member of the Council of Economic Advisers, President of the American Finance Association, and Dean of the Yale School of Management.

In his 9th and latest book, "A Random Walk Guide To Investing.." Dr. Malkiel wrote an investment book for the layperson which effectively summarizes the MarketRiders methodology of investing in low index funds across several asset classes reflecting an individual's optimal asset allocation. Malkiel outlines the benefits of index funds including lower operating costs, lower turnover, and greater tax efficiency. These advantages enable index funds to beat actively managed funds by 2 percentage points annually over time.

Mr. Bernstein has become a well-known investment author, having written "The Four Pillars of Investing," and "The Intelligent Asset Allocator." Mr. Bernstein has been a critic of Wall Street and proposes that investors buy a well-diversified portfolio of index funds based upon their risk-return profile.

Mr. Bernstein outlines the MarketRiders approach by writing extensively to help investors arrives at the "right" mix of assets while also pointing out that if over the past 10 or 20 years an investor had simply held a portfolio consisting of one quarter each of indexes of large U.S. stocks, small U.S. stocks, foreign stocks and high quality U.S. bonds, he would have beaten over 90% of all professional money managers and with considerably less risk.