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Take advantage of employer-matching dollars
“Don’t ever leave free money on the table in the form of employer matching with 401(k) or 403(b) accounts. This is repeated often, but it’s true.”
— Robert Stromberg, a certified financial planner and founder of Mountain River Financial in Jenkintown, Pennsylvania
Many companies match an employee’s contributions to their employer-sponsored retirement plan, up to a cap. Let’s say your employer matches 100% of your 401(k) contributions on up to 4% of your salary and you earn $50,000 a year. If you contribute 4% of your salary this year — $2,000 — your company will also kick in $2,000, making your annual contribution $4,000. Missing out on an employer’s match is essentially forfeiting free money.

Recommendation #1

Everyone has different investing goals: retirement, paying for your children’s college education, building up a home down payment.

No matter what the goal, the key to all long-term investing is understanding your time horizon, or how many years before you need the money. Typically, long-term investing means five years or more, but there’s no firm definition. By understanding when you need the funds you’re investing, you will have a better sense of appropriate investments to choose and how much risk you should take on.

For example, Derenda King, a CFP with Urban Wealth Management in El Segundo, Calif., suggests that if someone is investing in a college fund for a child who is 18 years away from being a student, they can afford to take on more risk. “They may be able to invest more aggressively because their portfolio has more time to recover from market volatility,” she says.

Recommendation #2

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Recommendation #3

Once you’ve established your investing goals and time horizon, choose an investing strategy and stick with it. It may even be helpful to break your overall time horizon into narrower segments to guide your choice of asset allocation.

Stacy Francis, president and CEO of Francis Financial in New York City, divvies long-term investing into three different buckets, based on the target date of your goal: five to 15 years away, 15 to 30 years away and more than 30 years away. The shortest timeline should be the most conservatively invested with, Francis suggests, a portfolio of 50% to 60% in stocks and the rest in bonds. The most aggressive could go up to 85% to 90% stocks.


Be cool with your money

What is “cool”?
Coolness is completely subjective. To some people, members of hardcore punk bands are the epitome of cool. To others, aloof performance artists are the coolest people in the world. Some people find street fashion to be the coolest thing imaginable, and others think the coolest people in the world are high-rolling venture capitalists that hang out on yachts.
There are so many definitions of cool and every person on earth has their own perceptions of what’s cool. Your definition of who is cool might even change over time.
When I was a kid, I thought a black belt instructor at my karate dojo who wore a puka shell necklace was the coolest person to ever live. I no longer think this is true.
The point is, you have to find what you think is cool. With that idea in mind, use these tips to help yourself achieve what you’ve always wanted to be: cool.
1. Own your shit
To be cool, you have to embrace your passions. If you’re ashamed of what you like to do, you’ll never be cool. People will sense that you’re not enthusiastic about the things you like and it will immediately make them question the things you like, and thus question you for liking those things. If you like progressive bluegrass music, own it. If you are a tennis fanatic, don’t shy away from it. Buy a Reese Witherspoon clock and hang it on your wall if that’s what drives you.
If someone says they think you’re not cool for loving horror movies, forget them. They’re not worth your time, and it makes you even cooler for standing up for what you like in the face of adversity.
2. Do what you want
This goes hand in hand with tip no. 1. Cool people aren’t usually the ones that just follow whatever the trendiest thing in the moment is. They’re usually setting the trends, or at the very least carving their own paths in life.
Yes, we’re all inspired by a variety of things, but if you just glom onto what your friends say they like, you don’t really stand out at all. You need to find your own unique passions, activities, and quirks. Part of being cool is being different, so embrace what makes you different despite whatever everyone else perceives as popular.



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10 Investment Rules From Legendary Investors

10 Investment Rules From Legendary Investors

Author's Avatar
Canadian Value Follow
Dec 12, 2014
1) Jeffrey Gundlach, DoubleLin

"The trick is to take risks and be paid for taking
those risks, but to take a diversified basket of risks in a portfolio."

This is a common theme that you will see throughout this post. Great investors focus on "risk management" because "risk" is not a function of how much money you will make, but how much you will lose when you are wrong. In investing, or gambling, you can only play as long as you have capital. If you lose too much capital by taking on excessive risk, you can no longer play the game.

Be greedy when others are fearful and fearful when others are greedy. One of the best times to invest is when uncertainty is the greatest and fear is the highest.

2) Ray Dalio (Trades, Portfolio), Bridgewater Associates

“The biggest mistake investors make is to believe that what happened in the recent past is likely to persist. They assume that something that was a good investment in the recent past is still a good investment. Typically, high past returns simply imply that an asset has become more expensive and is a poorer, not better, investment.”

Nothing good or bad goes on forever. The mistake that investors repeatedly make is thinking "this time is different." The reality is that, despite Central Bank interventions, or other artificial inputs, business and economic cycles cannot be repealed. Ultimately, what goes up, must and will come down.

WallStreet wants you to be fully invested "all the time" because that is how they generate fees. However, as an investor, it is crucially important to remember that "price is what you pay and value is what you get." Eventually, great companies will trade at an attractive price. Until then, wait.

3) Seth Klarman (Trades, Portfolio), Baupost

“Most investors are primarily oriented toward return, how much they can make and pay little attention to risk, how much they can lose.”

Investor behavior, driven by cognitive biases, is the biggest risk in investing. "Greed and fear" dominate the investment cycle of investors which leads ultimately to "buying high and selling low."


4) Jeremy Grantham (Trades, Portfolio), GMO

“You don’t get rewarded for taking risk; you get rewarded for buying cheap assets. And if the assets you bought got pushed up in price simply because they were risky, then you are not going to be rewarded for taking a risk; you are going to be punished for it.”

Successful investors avoid "risk" at all costs, even if it means underperforming in the short term. The reason is that while the media and WallStreet have you focused on chasing market returns in the short term, ultimately the excess "risk" built into your portfolio will lead to extremely poor long-term returns. Like Wile E. Coyote, chasing financial markets higher will eventually lead you over the edge of the cliff.

5) Jesse Livermore, Speculator

“The speculator’s deadly enemies are: ignorance, greed, fear and hope. All the statute books in the world and all the rule books on all the Exchanges of the earth cannot eliminate these from the human animal….”

Allowing emotions to rule your investment strategy is, and always has been, a recipe for disaster. All great investors follow a strict diet of discipline, strategy and risk management.

6) Howard Marks (Trades, Portfolio), Oaktree Capital Management

“Rule No. 1: Most things will prove to be cyclical. – Rule No. 2: Some of the greatest opportunities for gain and loss come when other people forget Rule No. 1.”

As with Ray Dalio (Trades, Portfolio), the realization that nothing lasts forever is critically important to long term investing. In order to "buy low," one must have first "sold high." Understanding that all things are cyclical suggests that after long price increases, investments become more prone to declines than further advances.

7) James Montier, GMO

"There is a simple, although not easy alternative [to forecasting]... Buy when an asset is cheap, and sell when an asset gets expensive.... Valuation is the primary determinant of long-term returns, and the closest thing we have to a law of gravity in finance."

"Cheap" is when an asset is selling for less than its intrinsic value. "Cheap" is not a low price per share. Most of the time when a stock has a very low price, it is priced there for a reason. However, a very high priced stock CAN be cheap. Price per share is only part of the valuation determination, not the measure of value itself.

8) George Soros (Trades, Portfolio), Soros Capital Management

“It’s not whether you’re right or wrong that’s important, but how much money you make when you’re right and how much you lose when you’re wrong.”

Back to risk management, being right and making money is great when markets are rising. However, rising markets tend to mask investment risk that is quickly revealed during market declines. If you fail to manage the risk in your portfolio and give up all of your previous gains and then some, then you lose the investment game.

9) Jason Zweig, Wall Street Journal

“Regression to the mean is the most powerful law in financial physics: Periods of above-average performance are inevitably followed by below-average returns, and bad times inevitably set the stage for surprisingly good performance.”

The chart below is the 3-year average of annual inflation-adjusted returns of the S&P 500 going back to 1900. The power of regression is clearly seen. Historically, when returns have exceeded 10% it was not long before returns fell to 10% below the long-term mean which devasted much of investor's capital.


10) Howard Marks (Trades, Portfolio), Oaktree Capital Management

“The biggest investing errors come not from factors that are informational or analytical, but from those that are psychological.”

The biggest driver of long-term investment returns is the minimization of psychological investment mistakes. As Baron Rothschild once stated, "Buy when there is blood in the streets." This simply means that when investors are "panic selling," you want to be the one that they are selling to at deeply discounted prices. The opposite is also true. As Howard Marks (Trades, Portfolio) opined, “The absolute best buying opportunities come when asset holders are forced to sell.”

As an investor, it is simply your job to step away from your "emotions" for a moment and look objectively at the market around you. Is it currently dominated by "greed" or "fear?" Your long-term returns will depend greatly not only on how you answer that question, but manage the inherent risk.

“The investor’s chief problem – and even his worst enemy – is likely to be himself.” - Benjamin Graham

Also check out:
Ray Dalio Undervalued Stocks
Ray Dalio Top Growth Companies
Ray Dalio High Yield stocks, and
Stocks that Ray Dalio keeps buying
Seth Klarman Undervalued Stocks
Seth Klarman Top Growth Companies
Seth Klarman High Yield stocks, and
Stocks that Seth Klarman keeps buying
Jeremy Grantham Undervalued Stocks
Jeremy Grantham Top Growth Companies
Jeremy Grantham High Yield stocks, and
Stocks that Jeremy Grantham keeps buying
Howard Mark Undervalued Stocks
Howard Mark Top Growth Companies
Howard Mark High Yield stocks, and
Stocks that Howard Mark keeps buying
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