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The sell in May has not worked, I think, for four out of the last five years.

So I don't think people will stick with a system that underperforms for that long. And when

you're a timer, you are wrong. So often, that's the nature of that strategy. And most investors just don't like being wrong that often.

That's nationally recognized mutual fund index investing and asset allocation authority Paul

Merriman of the Merriman Financial Education Foundation.

Today on Your Money, Your Wealth, Paul gives us the truth on market timing versus buy and

hold.

And he explains

why he still does both. Plus, answers to your questions on collecting Social Security and a

pension, rolling and converting IRA money, and podcast listener Clint gets the answer to his question

on whether there are financial perks to getting married before the end of the year. Now, here

are Joe Anderson's

CFP and Big Al Clopine CPA. We've got Paul Merriman coming on a little bit later. Stick around

for that interview because we taped it earlier and since I listened to it, I'm telling you it

...