The Four Horsemen of the Investor's Apocalypse

The Four Evils That Will Crush Your Portfolio, and How to Fight Them

Non-Fiction - Retirement
178 Pages
Reviewed on 07/24/2015
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    Book Review

Reviewed by Roy T. James for Readers' Favorite

The Four Horsemen of the Investor’s Apocalypse by Robert J. Klosterman CFP is intended to provide one with the weapons to fight the four horsemen of the investor’s apocalypse. The four are: Inflation, Volatility, Group Think, and Global Displacements and Transformation, and by providing insight, perspective, and tools in managing portfolios for serious money needs, such a fight is made possible. Discussing the options available for warding off the evils posed by each of these, Robert revisits the existing rules governing our investment decisions, and mentions the need to approach that with consistent, regular attention. Familiarizing the reader with many and varied terms and their use, he also dwells on the emergence of shocking geopolitical events and the restructuring that occurs as a result of fast developing technologies and the changes to our way of life.

The Four Horsemen of the Investor’s Apocalypse by Robert J. Klosterman CFP is advisable for those wanting to learn about investment. The topic is dealt with here more in its abstract sense than the common, practical approach of asset management. Rather than giving any immediate advice on financial decisions, Robert’s book, I think, has the potential to enable one to develop one's own financial decision making process. Every nuance one may encounter in this area - like selecting a manager, an adviser, a portfolio, or alternative investments - is explained well. A good bunch of questions at the end and a few pages of ‘insider information’ elevate this book to a useful read, especially for those who want to become an expert in this field.

Ray Simmons

The Four Horsemen of the Investor's Apocalypse by Robert J. Klosterman CFP is certainly very dramatically titled. I equate the four horsemen with the end of the world as we know it, and maybe that is Mr. Klosterman's point. Money is important, and at no time is it more important than after you are retired and your ability to make more money is greatly reduced. At this stage, you want to protect and grow your nest egg, and The Four Horsemen of the Investor's Apocalypse is a great resource to guide you in this purpose. Robert J. Klosterman identifies and defines the four horsemen, then shows how they can destroy or make a huge dent in your portfolio. The writing is clear, concise, and to the point. These four horsemen are: Inflation, Volatility, Group Think, and finally, Global Displacements and Transformations.

I am in no way a financial expert. In fact, math was my most difficult and least liked subject in school. But I could clearly understand the points made in The Four Horsemen of the Investor's Apocalypse. That is a huge plus for this book. As Mr. Klosterman points out himself, there is a deluge of financial information bombarding investors 24 hours a day, 7 days a week, and a lot of it is contradictory. The Four Horsemen gives us some rules we can use to guide us in sorting all this out and keeping our investments safe from financial Armageddon.

Janelle Fila

The Four Horsemen of the Investor's Apocalypse by Robert J. Klosterman CFP is an educational non-fiction book for investors interested in learning more about how to invest in the stock market and earn more money than the market or inflation eats up. The book is well written, entertaining, informational, timely, and extremely valuable to anyone interested in learning more about how to invest in the market and what "advice" to listen to -- and which to throw away.

I really enjoyed the stories in The Four Horsemen of the Investor's Apocalypse. I felt these personal stories from Robert J. Klosterman CFP helped to make the book more interesting and relatable. Unfortunately, the material is very deep and if the reader is not familiar with many of the terms it may be hard to understand some of the terminology and suggestions. I have a bachelor's degree in finance and still found some of the information went over my head. However, I feel the material is very timely and there are a lot of people who are very interested in this kind of information. I especially liked the advice that was different from what "traditional" investment advisers dole out to the masses. As this book states, investing in the stock market is not the same as it was fifty, thirty, or even ten years ago, so it is time for a book to offer fresh advice for an industry that is in desperate need of solutions and not just repeated advice. Excellent work!

Samantha Dewitt (Rivera)

Many people desperately want to make more money in life and one of the ways that most people do it is through investing. It’s a way to get money for that trip you’ve always wanted to take or to get the money you need for retirement. But investing is becoming a lot more difficult these days for many reasons. The Four Horsemen of the Investor's Apocalypse by Robert J. Klosterman CFP describes some of the biggest problems facing investors today, but with the right information it’s possible to get ahead of them and make some money after all.

Throughout this book you actually find a lot of information about investing that is extremely helpful. It not only explains what the problems are (I’m not going to get into spoilers on this book, but let’s just say that one of them is definitely inflation), but also talks about how you can combat those problems. If you’re looking to invest in anything, you’ll need to know these things because it’s nearly impossible to make a good profit otherwise. I learned a lot from this book, not that I really considered myself an amazing investor before.

If you’re looking for something to help you with everything from inflation and valuation to diversification and volatility, then you’re definitely going to want to look at this book. It breaks everything down in a way that’s easy to understand and manage, and also helps you figure out what you may have been doing wrong all this time. The Four Horsemen of the Investor’s Apocalypse by Robert J. Klosterman CFP is definitely a book to look into.

Faridah Nassozi

We all hope for a blissful retirement and many work hard and save towards that dream. However, at the time of investing our savings, we know that investment is never without risk. Every investor has to be aware of the external factors that threaten their portfolio and how to minimize the risks. Some of these factors mean that as much as your investment might still give you the same return you had anticipated, this return might not have the same original value or might not be strong enough to match the current costs and other such circumstances. In his book titled The Four Horsemen of the Investor's Apocalypse, Robert J. Klosterman CFP gives practical advice on how to ensure you do not lose your investment by equipping you with sufficient knowledge to ensure you make informed investment decisions.

The Four Horsemen of the Investor's Apocalypse is a practical and insightful look at the factors that affect various investment decisions. As much as these circumstances might be out of your control, there is a way they can be managed, controlled and/or manipulated in your favour so as to minimize the risks, and Robert J. Klosterman is here to show you how. I respect the fact that Robert J. Klosterman does not promise get-rich-quick solutions or miraculous risk free investments, but rather stays realistic by simply providing practical tips on how to minimize the risks that come with investing. The Four Horsemen of the Investor's Apocalypse is a must-read for anyone looking for genuine advice and understanding of factors that threaten your chosen investing decision, and what you can do to survive the associated risks. Robert J. Klosterman CFP speaks from a position of authority on the subject, having gained years of experience as a financial adviser and therefore learned from his own mistakes; mistakes that he wants to help you avoid. The book is in touch with the reality of the current dynamic investment environment.