Modern Portfolio Theory has been failing investors for decades. Here's a common-sense, business-based alternative to generate the income streams that you need for retirement. Created in the 1950s, Modern Portfolio Theory (MPT) was created as an academic exercise and reflects the conditions of the 1950s and 1960s, not the state of your retirement account. A half century later, MPT has outlived its usefulness and is leading investors astray. Balancing...