The father of value investing, Benjamin Graham once wrote that making money on investing should depend “on the amount of intelligent effort the investor is willing and able to bring to bear on his task” of security analysis. He defined the intelligent investor as an enterprising individual that has the time and energy to do his or her own investment research. In contrast to the intelligent investor is the defensive investor who would prefer to have another individual pick stocks, bonds and other financial assets on his or her behalf. Hiring a financial advisor is certainly one alternative, but most retail investors (and also many institutions) prefer to hire a manager through the purchase of a mutual fund. Below is an overview of when it might be a good time to invest through the purchase of mutual funds.

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Most active managers underperform their benchmark index because of the efficiency of capital markets, the extra costs of active management and an intensely competitive landscape. Active funds will continue to disappoint investors regardless of the economic cycle, the time frame under study, the asset class, or whether we’re in a bull or bear market. All the evidence indicates that the “cyclical trend” isn’t cyclical at all — it’s a permanent trend that more investors are beginning to understand.