Steve Kerby

Steve Kerby

Steve began his career 51 years ago by joining Northwestern Mutual Life (NML) during his senior year in college in 1970. Steve quickly learned that he had made the right decision because he genuinely cared about people. He liked helping people plan and to solve problems, making a difference in peoples’ lives, and that quality of company and product was of utmost importance.

Steve Kerby

5555 SW 196th Ave.

Aloha, Oregon 97078

steve.kerby@retirevillage.com (503) 936-3535
Back To Articles

Investors, Teenage Girls, and Sheep

By Syndicated Columnists|


People are predictable in so many ways.


What one person can (and usually does) affects how another person reacts and takes action. Carl Richard’s fabulous illustration says it all.


Investors, teenage girls, and sheep, what do they all have in common?


Investors read about a hot mutual fund and buy; the results are from past performance. Hot mutual funds share results that have already happened, and the new investors merely shrink the returns. The new owners of the mutual fund have probably missed the boat.


Teenage girls don’t even need any explanation.


Sheep, ever see a flock in a field? Where one goes, the rest will follow; that is why sheepdogs are so effective, they control one sheep, and the rest will fall in step.


When it comes to money, following the pack can mean investing without a real plan. Be honest with yourself, know what goals you are trying to accomplish, and set a course.


Carl Richards and his wonderful drawings can be found at www.behaviorgap.com; please visit and enjoy.

Best Annuity Rates Report Cover

Annuity Questions?

Download the 2021 Annuity and Investment Report Now and learn more about annuity options that can help you achieve your retirement goals.

Safe Money Guide Report Cover

Safe Money Guide

Download our Safe Money Guide and learn more about safe retirement options that can help you achieve your retirement goals safely - FREE!

Life Insurance Guide Report Cover

Life Insurance Guide

Learn more about the various life insurance options available to you that can help you achieve your goals.

Sign up for our newsletter.

Safe Money insights and tips sent to your inbox bi-monthly.

Sign Up Now!