These are some of the things we tell our clients.
1. Start saving before investing. At least 8% of your income should be left alone.
2. If you want moderate returns with less headache, simply buy no-load index funds.
3. Invest long-term: Market-timing is like gambling particularly if you don't follow the markets.
4. Get a job that you love to do and you will be happy.
5. Cut your losses early so you can count your gains instead of your losses.
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