Modern Portfolio Theory has been failing investors for decades. Here’s a common-sense, business-based alternative to generate the income streams that you need for retirement.  Created in the 1950s, Modern Portfolio Theory (MPT) was created as an academic exercise and reflects the conditions of the 1950s and 1960s, not the state of your retirement account. A half century later, MPT has outlived its usefulness and is leading investors astray. Balancing historical evidence with a practitioner’s real-world expertise, Getting Back to Business demonstrates why you need to drop MPT and instead apply the kind standards that drive the business decisions we all make—cash return on cash investments. Author Daniel Peris focuses on cash generation and distributions, clearly illustrating the difference between investing—what businesspeople try to do day in and day out—and speculation—what all too many individuals and institutions end up doing with their portfolios. The former, he convincingly argues, leads to better strategic investment decisions and financial security.