Building a diversified portfolio of dividend/ paying stocks/etfs that can beat the market over the long term is not that hard and is in fact is a lot easier these days with the help of so many ETFs.
Here's the thing though. You say 90% with some education can beat the market. But everyone wants to beat the market, including of course the professional managers that have way more resources and way more access to investments you can't buy.
So how are they doing? Well 66 percent of large-cap active managers failed to beat the S&P 500 in 2016. 89.4 percent of mid-cap managers and 85.5 percent of small-cap managers did worse than the index.
Over 15 years, "92.2 percent of large-cap managers missed their marks, while the number was 95.4 percent for mid-caps and 93.2 percent for small-caps.". (source)
So, if 90% of professionals cannot even match the index, how is it possible that 90% of educated amateurs can beat it? Short answer: it isn't.
Look, I'm not questioning that you are beating the markets. If you are, that is great. But either you are very good and don't realize it, or you are very lucky and don't realize it. The facts show us that it is absolutely not easy in any way. Even the professionals that spend 60 hours a week on this stuff are failing miserably.
So giving people the idea that it is easy to beat the markets with a little bit of education is provably bad advice. The majority will be far better off with a diverse passive investment strategy with extremely low fees that will match the markets.
Edited by LeoVictoria, 16 October 2017 - 08:47 PM.