Persistent Outperformance is Extremely Rare

Research from S&P Dow Jones consistently shows that mutual funds that have outperformed their peers very rarely continue to outperform in the future. When news outlets and magazines make claims about the top funds to buy, they unfortunately are making most of their recommendations based on past performance. However, when it comes to the “best new funds,” past performance most definitely does not predict future performance. In fact, there is a better chance of rolling double sixes five times in a row than the top performing funds staying at the top of the leaderboard for five years.

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On the Air

newsradio-WHP-webTim Decker hosts the weekly radio show “Financial Freedom” on WHP 580 AM Harrisburg every Saturday at 10:00 am Eastern.

He brings his extensive knowledge and over 28 years of experience to the discussion of current financial and wealth management topics. Each show also includes a Q&A session when Tim provides straightforward, unbiased answers to questions from callers. This is the program that represents your best interests, not Wall Street's.

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The Sleep-Well-at-Night Investor


ISI Financial Group helps clients take all necessary steps to properly develop and implement a holistic financial plan using evidence-based, time-tested strategies centered around financial science. In his book, “The Sleep-Well-At-Night Investor,” Tim Decker shows readers how misinformation from the mutual fund industry has created widespread harm amongst investors. The book also discusses the temptation to think of investing like gambling, and the tragedy of gambling away savings and security under the guise of investing.

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