Many sophisticated investors will tell you it is neither necessary nor possible to time the market. In Why Most Investors Fail and Why You Don't Have To, author Michael Jon Allen shows you why they are wrong and then outlines an investment strategy that works. Allen, who bridges the gap between fundamental and quantitative analysis and demonstrates his unique multidisciplined style of investment, shows you how to invest in a system that • consistently outperforms peers, • reduces risk, • uses no more than five exchange-traded index funds, • trades only a few times per year, • requires no additional research. This guide provides an overview of stocks, bonds, gold, cash, and real estate investments. It shares the five keys to changing the odds, and it presents a simple, proven investment strategy to help you realize greater returns on your money.