Invest for a reason. Make it a good one.
Invest for a long time. A long time is much longer than one year. It’s probably 20 years at least.
Don’t invest in what you know because what you “know” is mostly an illusion in the face of an uncertain future.
Investing is not like coaching a basketball game. Subbing in and out of your lineup is not productive.
Boring is good. Diversification is good. Cheap is good. Tax efficient is good. These things are good because they are proven and they will free up your mind, body, and spirit to engage with the difficulty of maintaining good habits that actually drive change.
Speaking of habits, there’s no way around saving. There’s no substitute for it or magic optimizer of it. Do it, early and often, and don’t stop without good reason (and occasionally those will arise). Bad savings habits cannot be compensated for by any investing strategy, but it’s astounding what good savings habits can accomplish.
Meaningful Returns 