It is not better return-wise over the long term, but it controls your risk. It you start out 50% stocks and 50% bonds, 20 years later, your risk is much greater when your unrebalanced portfolio is 75/25.
Just ask them to make sure their wills are up-to-date before they go.
morbster wrote:bottlecap wrote:If you need an ARM, that's a pretty good indication right there.
Could you expand on that statement a bit? I don't understand the implications that going for an ARM would represent.