Today at Starbucks, I overheard a MLM (Multi-Level Marketing) lecture at the next table. They were basically saying you need to take out a 1 million loan, and the MLM company will lend you another 1 million based on that. Then they'll invest in US stock ETFs or small-cap bonds, claiming historically reliable returns of 15% or something similar. Good luck… Thoughts: The DCA (Distributed Rate of Return) is correct, but why do I always hear about DCA and fully leveraged investments at market peaks…?