Barry Ritholtz

You, your employer and your plan's investment managers fail to follow even the most basic rules of investing. You overtrade, chase performance, do not think long term. All of you - All Of You - have done a horrible job managing your retirement plans.

This celebration here tells me that this work is not hopeless. I thank you for this teaching with all my heart and lift my glass to human solidarity, to the ultimate victory of knowledge, peace, good-will and understanding.