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INVESTING 3.0

What the Creators of Index Funds Discovered and How to Profit From It

To most of us, the financial world can feel like a massive Tower of Babel, with thousands of people speaking languages we can’t understand, selling products we don’t know how to evaluate, with motives we can’t quite discern. In this ever-shifting world of global finance, where information, time, and money seem to move at faster and faster speeds, even smart, financially savvy investors can get a little dazed and confused.

I wrote this book to help you rise above the babble to become a more successful investor. If you’re tired of being dazed and confused, susceptible to those who would profit at your expense, you can turn your experience right-side up and feel like the financial world is truly working for you.

Investing 3.0 is a clear and simple guide to successful investing in the 21st century. It provides a behind-the- scenes look at the development of index funds in the early 1970s and the proof why index funds consistently deliver higher returns than those who try to beat the market through individual stock picking, mutual fund manager picking, or market timing. Raybin states the obvious — that computers changed the investing world forever and goes on to reveal how the creators of the first index funds continue to research and improve investment performance. In less than 100 pages, you will discover how you can use these exciting advances to earn more and, if you prefer to have guidance, how to identify a financial advisor who can help you employ these breakthrough investing strategies.

READER REVIEWS

Excellent history of investing! Clear, concise, informative and well written. Excellent history of investing, but, more importantly, advice on investing for the future. A must readfor anyone with investments.

Ronald S.,

This is a very helpful guide to investing smartly, compact, well-written and documented, and very accessible to those with some financial investment background, perhaps a little less so for those without that background. The summary and comparisons of investing 1.0, 2.0, and 3.0 is clear and provides a great overview of how financial advising has evolved, as other reviewers suggest. Some readers might find it useful to scan chapters 8 and 9 ("How You Can Profit" and "Conclusion") before reading the rest of the book. A preview of those ideas may help the reader keep the big picture in mind as they work their way through the evolution as well as stay motivated in terms of their own investment choices. The how you can profit chapter could have been two chapters, the how to 'principles' it currently has, and then another one with examples for people with different wealth and risk exposure preferences. Very helpful book, strongly recommended.

Brad Barham,

This book has really opened my eyes to a new take on investing. I have to say that I was definitely a 1.0 investor and thinking that the next step was 2.0 investing. I didn't even know there was a 3.0 approach! Now that I understand concepts like the emotional roller coaster, and Rick's 4 rules, I realize that I have a lot to learn about investing. This book clearly lays it out for me and makes me confident that I can update my methods and feel like the markets are working for me.

Mike N.,

Very accessible for the average or beginning investors. My husband and I were looking for a source to help us gain a better understanding of the markets and saw Richard’s book on Amazon. His book is a thorough yet accessible volume that includes fascinating historical background on our markets and walked us carefully through the evolution of the world of investing. I particularly like the way Richard ended his chapters with “what we learned” summaries. I would highly recommend this book, particularly for young people just starting out. It will definitely change how we approach our investing.

Ms. Zing,

Informative Investment Book! The book is divided into 3 parts. Investment 1.0 covers investing in securities and overall history of the market which I found quite interesting. Investment 2.0 is a great explanation of going beyond securities into index funding. Investment 3.0 covers more than just index funds. It gets into the importance of investment strategies along with portfolio allocations and withdrawal strategies.I learned the most from this section. An additional plus was the explanation of an Alpha Adviser. Overall a good read. Very informative.

P. Ridley,

This should be a best seller! This book was written for me. My education is that of a typical dentist with just enough education in business and investing to have enjoyed modest success. This book was a quick and enjoyable read for me. It gives a brief summary of the history of investing in an easily understood style. This summary becomes appropriately more detailed as it approaches the modern era. I read a lot of non fiction and this book should be a best seller. For many years I have followed the investing style and advice of John C. Bogle a founder of the Vanguard Mutual Fund company. Richard Raybin calls this style of investing 2.0. Individual stock picking is 1.0. Richard is advocating an approach to investing which uses all the wisdom of investing 2.0 and takes advantage of our increased knowledge about human and market behavior. He calls this evolutionary change in investing strategy 3.0. Richard advocates the following: 1. Suitable asset allocation using broadly diversified funds, ETF’s. 2. Cost effective implementation. 3. Rebalancing. 4. Behavioral Coaching. 5. Asset allocation. 6. Withdrawal order. 7. Total return versus income investing. “Although almost everyone is capable of taking steps to effectively implement and maintain their own investment plan, from what I have seen, few will take these steps. In fact, most won’t and should hire a professional advisor who will.” Full disclosure: Rick became my wonderful neighbor two years ago. He always impressed me with his modesty, wisdom and great common sense. I did not know much about his background till I heard he had written a book. I received the book from Amazon yesterday, read it last night and feel very proud and happy to have him as a friend and neighbor.

Allen L. Hasse,

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Larry Jane,
Developer

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Mary Berg,
CEO / Manager

About the Author

Rick Raybin

Rick Raybin has forty years of experience in the financial industry. He holds a BA in economics from Bowdoin College and an MBA in finance and accounting from Columbia University. He worked as a certified public accountant for Coopers and Lybrand before becoming CFO of Rosenberg Real Estate Equity Funds. In that position, he teamed up with major US banks and insurance companies to form the National Council of Real Estate Investment Fiduciaries, and he served as its first president and chairman. He currently works as a financial advisor.

Raybin lives in San Mateo, California with his wife, Ramona. He has four adult children. His interests include tennis and amateur theater. He also volunteers with community organizations, often serving as treasurer and advising on endowment investment strategies.

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