About investments and risks

- Diversify your portfolio by adding independent and opposing sources of return.
- Don’t pick stocks – Asset allocation is more important.
- Historical returns are not exact indicators of future performance. Don't plan your portfolio around it.
- Don’t invest without a plan.
- Don’t forget to invest in your Financial Education. Every investment you make in yourself will pay you dividends for a lifetime.
- Don’t forget to match investment style with personal goals.
- Don’t place excessive trust in “Experts”.
- Beware of low liquidity.
- Beware of excessive conservatism or risk taking. Remember, a ship may be safest sitting in harbor, but that’s not what ships were built for. Similarly, it’s reckless to take a ship out of harbor when the “perfect storm” strikes.
- Short-term results in a one-way market can lead to false conclusions.
- Don’t confuse total return with value added.
- Don’t focus excessively on expenses or taxes.