What should you believe about investing? How many guessed the best asset classes in January? Active U.S.managers managers made more than the GDP of Switzerland last year. Plus, lots of your calls and e-mails on topics like: What do you do when you have no retirement assets in your 60s? Can a Real Estate Investment Trust actually be paying 15%? What’s the truth about these enticing Indexed Universal Life policies? Can you really get the return of stocks, no risk, and tax-free growth.