Employees are poorly prepared to know how much to contribute or how to invest their money.

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Unfortunately for their employees, most folks do not know how much they need to save, or how to invest.

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In 2009, investors bailed out the very firms that profited for decades providing conflicted or bad advice to Americans on how to invest.

FORBES: On Your Own: Investing in An Era of Irrelevant Regulation (October 2009)

For example, business units (such as apparel or footwear) had historically decided how much to invest in new product development.

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The locations, e.g. schools, education centres or a hotel, depend on what is available or how much funding the state can invest to rent space.

UNESCO: STudent Achievement in Reading (STAR)

In addition, and what is very important to consider, is how much you want to invest in stock, bond or cash funds.

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On the other hand, if you and your mate are stuck at Monopoly level and argue about money and one or the other of you hesitantly capitulates to the other about how you save, spend, or invest money, how durable is that agreement in your experience?

FORBES: Want Proof that Collaborative, Interest-Based Negotiation is More Durable?

If the cash were returned to investors, they could decided how they wanted to invest that cash, ie conservatively or aggressively, as they wish rather than putting their faith into Apple to run this very large portfolio.

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How do you find companies to work for or to invest in that will let you create some real wealth?

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Trump's comments go directly to the core of how people really invest and what they perceive as worth or value at any one given moment.

FORBES: It's Not Reality But Perception That Counts