Hey Product Cost Management aficionados.   It’s time for some personal spend (or revenue generation) management.  Hiller Associates Founder and Managing Partner, Eric Hiller just published an in-depth analysis of some paths forward in your investing in these tumultuous times at Before It’s News!

Here’s a teaser in text and a figure to wet your investing whistle:

I have good news, and I have bad news. The bad news, as we all know, is that the market is way down, and there is very little any of us can do to stop this. Worse, most of us probably did not get out in time to avoid it. But, as our former mayor in Chicago, Rahm Emanuel, said “You never let a serious crisis go to waste.” So, the question is what do we do now with our investments?

If you’re sitting on a pile of cash, then God bless you, it’s probably a great time to buy. If your portfolio just got crushed, maybe it it’s a good time to rebalance the portfolio and take advantage of the tax losses for next year (note: I am not a CPA, and do not give tax advice).

Instead of Stock Picking, We Are Going to Analyze What Is the Best Portfolio of ETFs to Hold

To set expectations, if you’re looking for the stock-picking secrets of the illuminati from this article, I am afraid you will be sorely disappointed. I am just smart enough to have learned years ago, that I am not that smart. In fact, I have come to believe there are only certain ways in which one can beat the market: