The value exchange in the world of investment management has long rewarded relationships based on frugality, simplicity and maintaining a disciplined balance of a varied selection of investment classes. Benjamin Graham knows it and you know it. I affirm that the widely accepted speculative techniques used by Wall Street are propagated by Wall Street primarily for the benefit of Wall Street. This is done by blurring the real returns and siphoning unsubstantiated and unnecessary costs from your investments. Less