Aaron,

You brought up a few good points. I definitely don’t want this piece to come off as a guarantee of the future; this is based on my opinion of the industry. I’ve updated the title and also added in a disclaimer in the beginning of the article to reflect that.

Also, regarding risk, that brings up another good point. While we have risk levels associated with each recommendation in our group, I left those out here, but I’ve added them in now.