Adam Bold, founder of The Mutual Fund Store, is urging investors to stick with their retirement goals and says that if investors choose the right mix of mutual funds, they should be able to have a happy, secure and long retirement, Bloomberg reports.

Spelling out the premise of his new book, “The Bold Truth About Investing,” Bold maintains that no matter what asset class an investor wants, they can find it either in a traditional mutual fund or an exchange-traded fund. Individual investors should not own stocks, he maintains, nor should they rely on index funds. “I’m a believer that by indexing, you’re accepting mediocrity,” Bold said.

He also is a big believer in establishing a relationship with fee-based advisers—his franchise of 70 Mutual Fund Stores are run by fee-based advisers—rather than a one-off broker who may not provide “continued suitability,” as Bold puts it.

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