Advise for Investors

1. Consider time in the market (Not timing the market).
2. Buy term and invest the rest.
3. Rising tide lifts all ships (We all look like geniuses in an up market).
4. Why pay fund managers when most can't beat the indexes over prolonged periods?
5. Buy index funds.
6. Educate yourself financially, trust nobody with your money.
7. The most money is made in a down market.
8. Luck is when opportunity and preparedness meets.
9. Diversify your portfolio if you are not Warren Buffett.
10. Understand the power of compounding and value cost averaging.