- Stay disciplined in asset allocation (growth and security) as this is the most important factor in investment returns. Decide the right mix of stocks, bonds, and alternatives based on your goals, *evaluate asset allocation, adjust, & rebalance each year.
- Never underestimate the power of disciplined saving and compound interest
- Cash is king but cash is no good (because you earn nothing / lose money). Bonds are the next best thing, or a high-yield savings account, keep a portion to provide “dry powder” to use when there is a “sale”
Joe DiAndrea 