Examples of Orthogonality

1. Target date funds

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There have been a couple of serious bear markets since these came to be, the Financial Crisis and this year, and they did badly both times.

2. ESG Funds

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The broad based ESG funds are almost entirely marketing gimmicks.

3. Video Games

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Just don't.

4. Fantasy Football

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I can't articulate why but this has never sat right with me for some reason and I am a huge football fan.