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For the past decade people have been helplessly watching their retirement savings diminish and for many the losses have been devasting. All the while, well meaning advisors kept say 'don't worry, stay the course, it will bounce back.' However, the reality is much different. The truth is, you NEVER recover losses, you simply have a new starting point from which to climb and hopefully achieve growth. So the old advice 'it'll bounce back' is a little misleading to say the least. Experts agree that the mutual fund industry may have seen its day and it's now time for something new. Tier1 Capital Management Inc. is that something new.