This week on "Money Talks," Troy Harmon, CFA, CVA, is joined by Managing Associate K.C. Smith, CFP®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss the week’s market movements, the ISM Non-Manufacturing Index, international trade and wholesale trade. K.C. and Jarrett bring to the table a conversation on whether investors should really want to beat the market. They discuss risk exposure, long-term strategies and passive vs. active investing. The hosts also address a listener’s question on health spending accounts and whether opening one would be a good idea if you’re covered by a high-deductible insurance plan. The experts also provide their opinions on some of Vanguard’s health care funds and if investors should seek actively or passively managed funds.