I agree. There're two guys, A and B. A is a trader with $30k acct. He makes 50% a year. That's $15k minus taxes, software fee ~$1,200/year. B let's say, he is a Index fund manager, top school graduate. In fact he is doing nothing and earns 200k/year. Fund is down 40% for the last 3 years (like many Janus funds for example) Now, tell me it's skill not LUCK! Hahahaha!