From an article on the author of Unconventional Success: A Fundamental Approach to Personal Investment, a summary of professor and star investor David Swensen's advice for how individuals should be investing in markets driven by full-time professionals like him. While perhaps unconventional, Swensen would certainly seem to have the authority to advise on such matters.

Yale University recently announced a 23 percent return on its investments, swelling its endowment to a whopping $18 billion. The man behind that investment success is David Swensen, one of the most gifted investors in the world. He's made an average 16 percent annual return over 21 years — better than any portfolio manager at any other university.

Euro!

Appreciated.
And more of this kind of education to replace hopefully some inaction and complaining about how "they" have screwed us when it is up to us.