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If you’re interested in investing, it’s important to know that everyone makes mistakes—but you can learn from the mistakes of others to help avoid making them yourself. This can help you build confidence when it comes to investing, giving you positive momentum for reaching your long-term goals.

Get started on your investing journey with these tips for avoiding some of the most common mistakes.

Mistake No. 1: Putting all your eggs in one basket

They say variety is the spice of life. Diversification has always been a byword of a healthy portfolio—and it’s also a way to help alleviate the stress of market turbulence. What you’re trying to avoid is putting too much of your money in one company or asset, an action that has been the downfall of many investors. If you’re properly diversified, it’s not as big a deal if one of the assets in your portfolio doesn’t perform.

In the past, diversification may have meant including a mix of stocks and bonds among your assets. Now, “one of the best ways to diversify is through investing in mutual funds or exchange-traded funds (ETFs),” says Brian Ford, Truist’s head of financial wellness.

These types of funds, which are put together by teams of experts, take a lot of the guesswork out of picking stocks. You can easily diversify by choosing a variety of funds, such as ones that focus on small or large companies (often referred to as small-cap or large-cap stocks, respectively), foreign stocks, or even specific sectors, like energy or consumer goods. ETFs such as those benchmarked to the S&P 500 are extremely popular for their consistent, steady growth.


Mistake No. 2: Not thinking big picture

When investing, play the long game. It’s important to know why you’re investing and to keep your eyes set on your long-term goals.

“When COVID-19 hit and the market took a dive, our natural inclination was to think, ‘Should I just cut my losses now and sell?’” says Ford. But in 2020, that kind of short-term thinking would’ve landed an investor in a disadvantaged position, as the market took a surprising upturn. Don’t focus on immediate returns, advises Ford, but rather on where you might want to be a few years from now—or even later in life.

Consider what you’re investing for, in addition to what you’re investing in, adds Bright Dickson, Truist’s resident expert on positive psychology. For example, if you’re passionate about climate change and conservation, you can align your values with your investments, and consider environmental, social, and governance (ESG) investing.

“Money is simply a conduit to what we really want in life, so keep your eye on those goals and values,” she says.


Mistake No. 3: Letting emotions drive decision-making

“Emotions and investing are like oil and water: They don’t really mix,” Ford cautions.

For example, people see the market skyrocketing, “and they get financial FOMO—they start buying at inflated prices because they don’t want to miss out on the party.”

On the other hand, people may see the market tanking and decide to sell, but that’s typically counterproductive for the long term.

One way to prevent the common investing mistake of emotional decision-making is to acknowledge your feelings, know that they’re normal, and then work to calm or counteract them. Simply looking at your portfolio less might help. Remind yourself that it’s normal for the market to have peaks and valleys. And if you do find you’ve already made a mistake—like buying a stock or fund at a high price and watching it lose money—don’t beat yourself up.

“Instead of getting down on yourself, identify that negative self-talk and ask yourself, ‘Can I learn from this instead of getting upset with myself?’” suggests Dickson.


Mistake No. 4: Investing inconsistently

Slow and steady wins the race. Avoid worrying about the ups and downs of the market—instead, commit to a consistent investing strategy like dollar-cost averaging, says Ford. With dollar-cost averaging, you put a fixed amount of money into the market at regular intervals, such as weekly, biweekly, or monthly.

“That means putting money into your 401(k) every month, regardless of whether the market’s doing really well or poorly,” Ford says. “This allows you to avoid emotional buying or selling, because you’re putting the same amount of money in consistently, month in and month out, whether the market is overheated and overpriced or undervalued.”

You never know what the market is going to do next month, but by investing at regular intervals, you’re buying both the ups and the downs, which helps average the cost of your investments.

Mistake No. 5: Not talking with experts

Finally, a great way to ease your mind when it comes to avoiding investing mistakes is to work with a trusted expert, like a financial advisor.

“Everyone needs a coach—the best athletes in the world have coaches,” Ford says. “A financial advisor is not going to give you all the answers and do the work for you, but they’ll provide you with some guidelines. And when you’re losing your mind because the market’s going down and you call your financial advisor, they’ll remind you to relax and focus on the long term.”

Investing is an important tool for building financial confidence, which can have a direct impact on your overall well-being. Put these tips into practice, and you’ll find it a little less intimidating.

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MPOWER Global Citizen Scholarship details

The Global Citizen Scholarship has three prize levels:

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That means you have three chances to win some cash for school. But don’t wait to apply: the deadline is January 15, 2023.

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It happens to most of us at some time or another: You're at a cocktail party, and "the blowhard" happens your way bragging about his latest stock market move. This time, he's taken a long position in Widgets Plus.com, the latest, greatest online marketer of household gadgets. You discover that he knows nothing about the company, is completely enamored with it, and has invested 25% of his portfolio hoping he can double his money quickly.


You, on the other hand, begin to feel a little smug knowing that he has committed at least four common investing mistakes. Here are the four mistakes the resident blowhard has made, plus four more for good measure.

KEY TAKEAWAYS
Mistakes are common when investing, but some can be easily avoided if you can recognize them.
The worst mistakes are failing to set up a long-term plan, allowing emotion and fear to influence your decisions, and not diversifying a portfolio.
Other mistakes include falling in love with a stock for the wrong reasons and trying to time the market.
1. Not Understanding the Investment
One of the world's most successful investors, Warren Buffett, cautions against investing in companies whose business models you don't understand. The best way to avoid this is to build a diversified portfolio of exchange traded funds (ETFs) or mutual funds. If you do invest in individual stocks, make sure you thoroughly understand each company those stocks represent before you invest.


2. Falling in Love With a Company
Too often, when we see a company we've invested in do well, it's easy to fall in love with it and forget that we bought the stock as an investment. Always remember, you bought this stock to make money. If any of the fundamentals that prompted you to buy into the company change, consider selling the stock.


3. Lack of Patience
A slow and steady approach to portfolio growth will yield greater returns in the long run. Expecting a portfolio to do something other than what it is designed to do is a recipe for disaster. This means you need to keep your expectations realistic with regard to the timeline for portfolio growth and returns.

4. Too Much Investment Turnover
Turnover, or jumping in and out of positions, is another return killer. Unless you're an institutional investor with the benefit of low commission rates, the transaction costs can eat you alive—not to mention the short-term tax rates and the opportunity cost of missing out on the long-term gains of other sensible investments.

5. Attempting to Time the Market
Trying to time the market also kills returns. Successfully timing the market is extremely difficult. Even institutional investors often fail to do it successfully. A well-known study, "Determinants Of Portfolio Performance" (Financial Analysts Journal, 1986), conducted by Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower covered American pension fund returns. This study showed that, on average, nearly 94% of the variation of returns over time was explained by the investment policy decision.1 In layperson's terms, this means that most of a portfolio's return can be explained by the asset allocation decisions you make, not by timing or even security selection.

6. Waiting to Get Even
Getting even is just another way to ensure you lose any profit you might have accumulated. It means that you are waiting to sell a loser until it gets back to its original cost basis. Behavioral finance calls this a "cognitive error." By failing to realize a loss, investors are actually losing in two ways. First, they avoid selling a loser, which may continue to slide until it's worthless. Second, there's the opportunity cost of the better use of those investment dollars.

7. Failing to Diversify
While professional investors may be able to generate alpha (or excess return over a benchmark) by investing in a few concentrated positions, common investors should not try this. It is wiser to stick to the principle of diversification. In building an exchange traded fund (ETF) or mutual fund portfolio, it's important to allocate exposure to all major spaces. In building an individual stock portfolio, include all major sectors. As a general rule of thumb, do not allocate more than 5% to 10% to any one investment.

8. Letting Your Emotions Rule
Perhaps the number one killer of investment return is emotion. The axiom that fear and greed rule the market is true. Investors should not let fear or greed control their decisions. Instead, they should focus on the bigger picture. Stock market returns may deviate wildly over a shorter time frame, but, over the long term, historical returns tend to favor patient investors. In fact, over a 10 year time period the S&P 500 has delivered a 11.51% return as of May 13, 2022. Meanwhile the return year to date is -15.57%.2


An investor ruled by emotion may see this type of negative return and panic sell, when in fact they probably would have been better off holding the investment for the long term. In fact, patient investors may benefit from the irrational decisions of other investors.

How to Avoid These Mistakes
Below are some other ways to avoid these common mistakes and keep a portfolio on track.

Develop a Plan of Action
Proactively determine where you are in the investment life cycle, what your goals are, and how much you need to invest to get there. If you don't feel qualified to do this, seek a reputable financial planner.

Also, remember why you are investing your money, and you will be inspired to save more and may find it easier to determine the right allocation for your portfolio. Temper your expectations to historical market returns. Do not expect your portfolio to make you rich overnight. A consistent, long-term investment strategy over time is what will build wealth.

https://www.investopedia.com/articles/stocks/07/beat_the_mistakes.asp

Put Your Plan on Automatic
As your income grows, you may want to add more. Monitor your investments. At the end of every year, review your investments and their performance. Determine whether your equity-to-fixed-income ratio should stay the same or change based on where you are in life.

Allocate Some "Fun" Money
We all get tempted by the need to spend money at times. It's the nature of the human condition. So, instead of trying to fight it, go with it. Set aside "fun investment money." You should limit this amount to no more than 5% of your investment portfolio, and it should be money that you can afford to lose.


Do not use retirement money. Always seek investments from a reputable financial firm. Because this process is akin to gambling, follow the same rules you would in that endeavor.

Limit your losses to your principal (do not sell calls on stocks you don't own, for instance).
Be prepared to lose 100% of your investment.
Choose and stick to a pre-determined limit to determine when you will walk away.
The Bottom Line
Mistakes are part of the investing process. Knowing what they are, when you're committing them, and how to avoid them will help you succeed as an investor. To avoid committing the mistakes above, develop a thoughtful, systematic plan, and stick with it. If you must do something risky, set aside some fun money that you are fully prepared to lose. Follow these guidelines, and you will be well on your way to building a portfolio that will provide many happy returns over the long term.

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It's a cloud mining services, create an account, login and navigate to hash rate in the dashboard. Chose your hash power to start mining

The modern cryptocurrency market provides unlimited opportunities not only for settlements, but also to earn money.
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Do you still wonder how to make money on Pinterest? So in this post, I will be going to talk about Pinterest affiliate marketing without a blog, and I’ll be giving you complete guidance on how to get a Pinterest affiliate link and how to promote your affiliate products on it.

Well, before getting into deep, let’s first know in short about Pinterest. For sure, you might be aware of Pinterest but still for people who don’t know about Pinterest and what it is?

What is Pinterest

Pinterest is a visual search engine just like Google images, but it’s way better than google images. Eventually, Pinterest creates a search-driven forum with high-quality pictures and graphics.

Pinterest has plenty of buying traffic that’s often shopping and researching products. Ultimately, this makes Pinterest a perfect place for affiliate marketing.

Yet, many platforms offer you an affiliate program, but what makes Pinterest apart from others and why Pinterest only why not others. I want to know why Pinterest, so just keep reading; some interesting facts may mesmerize you.

Why Pinterest for Affiliate marketing?

As I mentioned above, Pinterest is a visual search engine with a social segment. Eventually, there are 320 million monthly active users, from which 70% of them are women, who are using this platform to make buying decisions. They follow the trend and figure out where to go on vacation, which diet to follow or what blogging courses to acquire to develop their skills.

Pinterest users further have spending power, with a top household income of about $75,000. Interesting right! Well, these Pinterest statistics make the forum a stunning place for affiliate marketing. Starting from writing content, such as reviews, tutorials, and product comparisons is an ideal affiliate marketing strategy, yeah it can be a time-consuming process. Yet it is worth it.

One of the fascinating things about Pinterest is that it allows you to get your affiliate links in front of potential buyers in a less time-intensive manner.
If you are a complete beginner in the world of affiliate marketing.

So today, I’ll walk you through the steps to get your Pinterest affiliate link and also I will be going to let you know how to create an affiliate pin and upload them to Pinterest. Also, In the end, I’ll be going to add a few of my own favourite high earning Affiliate programs to help you earn a handsome amount of money. So keep reading till the end.

Reason for giving priority to Pinterest over other social media networks

No doubt, Facebook, Instagram, Twitter are famous social media sites. But some reasons make Pinterest superior to them. These include:

- Pinterest demands less time, money, and work.
- It is easy to do affiliate marketing on Pinterest.
- There are very few chances of spam as it’s not crowded with a huge population.
- You don’t need to learn Pinterest SEO; simply add a good content pin with the affiliate link.

How Does Pinterest Affiliate Marketing Works?

To make money on Pinterest, you must have a clear idea about this affiliate marketing. Affiliate marketing refers to getting paid through companies by selling their products or services. You will retrieve the percentage of commission in every purchase that buyers make going via your affiliate link.

There are so many bloggers on Pinterest who are already doing affiliate marketing through a blog. Also, they make a good amount of bucks per month just only sharing affiliate links on Pinterest through their blog posts. Also, as I mentioned, this can be done without a blog as well.

https://www.websupportmail.com/pinterest--without-a-blog-complete-guide/

Investment is the dedication of an asset to attain an increase in value over a period of time. Investment requires a sacrifice of some present asset, such as time, money, or effort.

It happens to most of us at some time or another: You’re at a cocktail party, and “the blowhard” happens your way bragging about his latest stock market move. This time, he’s taken a long position in Widgets Plus.com, the latest, greatest online marketer of household gadgets. You discover that he knows nothing about the company, is completely enamored with it, and has invested 25% of his portfolio hoping he can double his money quickly.

You, on the other hand, begin to feel a little smug knowing that he has committed at least four common investing mistakes. Here are the four mistakes the resident blowhard has made, plus four more for good measure.



Here are the four mistakes the resident blowhard has made, plus four more for good measure.
Key Takeaways

- Mistakes are common when investing, but some can be easily avoided if you can recognize them.
- The worst mistakes are failing to set up a long-term plan, allowing emotion and fear to influence your decisions, and not diversifying a portfolio.
- Other mistakes include falling in love with a stock for the wrong reasons and trying to time the market.




1. Lack of Patience

A slow and steady approach to portfolio growth will yield greater returns in the long run. Expecting a portfolio to do something other than what it is designed to do is a recipe for disaster. This means you need to keep your expectations realistic with regard to the timeline for portfolio growth and returns.


2. Falling in Love With a Company

Too often, when we see a company we’ve invested in do well, it’s easy to fall in love with it and forget that we bought the stock as an investment. Always remember, you bought this stock to make money. If any of the fundamentals that prompted you to buy into the company change, consider selling the stock.


3. Not Understanding the Investment

One of the world’s most successful investors, Warren Buffett, cautions against investing in companies whose business models you don’t understand.1 The best way to avoid this is to build a diversified portfolio of exchange traded funds (ETFs) or mutual funds. If you do invest in individual stocks, make sure you thoroughly understand each company those stocks represent before you invest.


4. Waiting to Get Even

Getting even is just another way to ensure you lose any profit you might have accumulated. It means that you are waiting to sell a loser until it gets back to its original cost basis. Behavioral finance calls this a “cognitive error.” By failing to realize a loss, investors are actually losing in two ways. First, they avoid selling a loser, which may continue to slide until it’s worthless. Second, there’s the opportunity cost of the better use of those investment dollars.
5. Too Much Investment Turnover

Turnover, or jumping in and out of positions, is another return killer. Unless you’re an institutional investor with the benefit of low commission rates, the transaction costs can eat you alive—not to mention the short-term tax rates and the opportunity cost of missing out on the long-term gains of other sensible investments.


6. Letting Your Emotions Rule

Perhaps the No.1 killer of investment return is emotion. The axiom that fear and greed rule the market is true. Investors should not let fear or greed control their decisions. Instead, they should focus on the bigger picture. Stock market returns may deviate wildly over a shorter time frame, but, over the long term, historical returns for large-cap stocks can average 10%.

Over a long time horizon, a portfolio’s returns should not deviate much from those averages. In fact, patient investors may benefit from the irrational decisions of other

7. Attempting to Time the Market

Trying to time the market also kills returns. Successfully timing the market is extremely difficult. Even institutional investors often fail to do it successfully. A well-known study, “Determinants Of Portfolio Performance” (Financial Analysts Journal, 1986), conducted by Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower covered American pension fund returns. This study showed that, on average, nearly 94% of the variation of returns over time was explained by the investment policy decision.2 In layperson’s terms, this means that most of a portfolio’s return can be explained by the asset allocation decisions you make, not by timing or even security selection.

8. Failing to Diversify

While professional investors may be able to generate alpha (or excess return over a benchmark) by investing in a few concentrated positions, common investors should not try this. It is wiser to stick to the principle of diversification. In building an exchange traded fund (ETF) or mutual fund portfolio, it’s important to allocate exposure to all major spaces. In building an individual stock portfolio, include all major sectors. As a general rule of thumb, do not allocate more than 5% to 10% to any one investment.

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Develop a Plan of Action

Proactively determine where you are in the investment life cycle, what your goals are, and how much you need to invest to get there. If you don’t feel qualified to do this, seek a reputable financial planner.

While starting an affiliate website is a great way to earn from affiliate marketing, many people look to skip this step.

The main goal as an affiliate is to drive targeted traffic and get people to click on your affiliate links. This can be done in many ways which we’ll discuss in this article.

You may be on the fence about whether affiliate marketing is right for you? Or maybe you just don’t want to risk any money starting an affiliate website yet?

Whatever your situation, this article shows you how to get started with zero startup cost and minimal tech skills required.

Search Affiliate Programs That Don’t Require a Website

Many affiliate programs require you to have a website to sign up and promote them. This is because in the past some affiliate marketers got a bad name using shady tactics.

You’ve probably experienced it – someone spamming you links on social media, without even saying hello. Or getting caught up in a solo ads list where your email has been sold and you suddenly get an influx of promotional messages.

But as time has moved on, affiliate marketing without a website has become less spammy, with many marketers doing it the right way and making a full-time living from it.

Make sure you check the terms and conditions when you research affiliate programs. This should tell you what is required from affiliates.

Otherwise, you may get asked straight away where you intend to promote the vendor’s product. Some will accept no website, some won’t. Don’t get disheartened if you get refused. Just move on and find another product.

5 Ways to Start Affiliate Marketing Without a Website
When you start affiliate marketing, it’s best to focus on one platform to really master it, before moving onto the next. It can be quite overwhelming in the beginning and you need to use your time well.

Whichever platform you choose; it can take some time to start seeing results. Make a plan and stick to it for the long term. Consider investing in your knowledge to learn from those who’ve achieved what you want.

https://www.websupportmail.com/how-to-do--without-a-website/

So what is passive income? How do you define passive income? Can we say earning money with online paid surveys is passive income?

No, we can’t! earning money with online paid surveys is not a passive income idea because it takes the same effort each time to make same money.

So by definition, passive income means “Source of income that needs minimal effort and resources to maintain while it keeps on generating same or increased revenue“.

In short, passive income resources should free you from your work commitments and make your time free for activities you want to do while sustaining your finances. Writing books, investing in dividend stocks are examples of passive income sources.

Everyone should aim to create multiple streams of income for financial independence.

I will not say I will give you some magic way to earn passive income in 7 days or a month. I will help you in finding the best passive income ideas so that you can become financially independent.

You need to take the first step today so that you can enjoy your life while you keep earning money without putting in more effort.

First of all, find what you have to sell, what you can offer for money? For example, do you have knowledge that people would want to buy?

Then the next step is how you are going to exchange that for money: If you have knowledge then how you are going to sell so that it becomes a passive source of income.

If you offer counseling or one-on-one help then it will not be a passive source of income, as you will need to work every time the same amount for that money.

If you can create a book or a video tutorial by putting in one-time effort upfront, then it will be a passive income source for you.

Here, I have put up a list of the best passive income ideas for beginners that will generate money.

Millions of people make passive income online with multiple income streams. There is no reason you can not do it. There are different approaches on how to make passive income. The types of passive income streams have been divided into the following categories:

A. Passive Income from Money You Already have

This type of passive income is based on where you let your money earn you more money. You have to invest your money in the right places so as it earns you more money. Have you heard “rich people tend to get richer”?. That’s because they know how to make passive income with money. Let’s learn how to make passive income with your money.

B. By Creating Resources for Passive Income

If you are starting your financial journey or otherwise are not able to create enough money yet, you can always create resources that will generate passive income for you in years to come. This option takes more work because creating any income-generating asset takes hard work. But if you follow the ideas in this post, after putting in initial hard work you will have passive income assets in hand.

C. Passive Income by Saving Money

I truly believe in the idea that every dollar saved is equal to a dollar earned. If you can cut your unwanted expenses which do not affect your lifestyle then your financials will be much healthier. Saving money is in the passive income list because these listed methods work on auto mode and you don’t need to invest time to save money.

D. Other Innovative Ideas for Passive Income Streams

Then there are other different passive income strategies where you can leverage different things to create passive income. You can rent your stuff such as your empty room or backyard. These ways create money resources from things which you don’t need.

https://www.websupportmail.com/26-best-passive-income-ideas-for-beginners-to-build-wealth/

A lot of people are highly ignorant to how losing their phones to fraudsters can lead to a complete clean-up of their bank accounts.

If you ask any banker, he or she will tell you about the hundreds of customers who have often come crying to the banks for help after realizing that the money in their bank accounts have either fallen short of what it should be or has hit red.

These fraudsters do this by stealing victims’ identities; name, address, bank information which they use in gaining access to their bank accounts. They also use the stolen identity to defraud other people and even apply for loans, leaving the victim with debts.



https://websupportz..com/2021/11/how-scammers-use-sim-card-phone-numbers.html

A local fraudster arrested by the Police confesses to how he steals money from people’s bank accounts through their SIM cards. He claims he does “Wire Wire” also called SIM transaction or “Joker wire” where he can unlock, transfer and withdraw from any SIM card that is linked to a bank account.

In a video posted on Twitter by Jubril Gawat, the Senior Special Assistant (SSA) on New Media to the Governor of Lagos State, Babajide Sanwo-Olu, the arrested fraudster confessed that once he gets hold of such a phone, he gains access to it

Do you have crypto currency exchange php script?.


09069510134

It happens to most of us at some time or another: You're at a cocktail party, and "the blowhard" happens your way bragging about his latest stock market move. This time, he's taken a long position in Widgets Plus.com, the latest, greatest online marketer of household gadgets. You discover that he knows nothing about the company, is completely enamored with it, and has invested 25% of his portfolio hoping he can double his money quickly.

You, on the other hand, begin to feel a little smug knowing that he has committed at least four common investing mistakes. Here are the four mistakes the resident blowhard has made, plus four more for good measure.


INVESTING INVESTING ESSENTIALS
Avoid These 8 Common Investing Mistakes
FACEBOOK
TWITTER
LINKEDIN
By WILLIAM ARTZBERGER Updated Dec 16, 2020
TABLE OF CONTENTS
EXPAND
1. Not Understanding the Investment
2. Falling in Love With a Company
3. Lack of Patience
4. Too Much Investment Turnover
5. Attempting to Time the Market
6. Waiting to Get Even
7. Failing to Diversify
8. Letting Your Emotions Rule
How to Avoid These Mistakes
The Bottom Line
It happens to most of us at some time or another: You're at a cocktail party, and "the blowhard" happens your way bragging about his latest stock market move. This time, he's taken a long position in Widgets Plus.com, the latest, greatest online marketer of household gadgets. You discover that he knows nothing about the company, is completely enamored with it, and has invested 25% of his portfolio hoping he can double his money quickly.


You, on the other hand, begin to feel a little smug knowing that he has committed at least four common investing mistakes. Here are the four mistakes the resident blowhard has made, plus four more for good measure.


1. Not Understanding the Investment

One of the world's most successful investors, Warren Buffett, cautions against investing in companies whose business models you don't understand.1 The best way to avoid this is to build a diversified portfolio of exchange traded funds (ETFs) or mutual funds. If you do invest in individual stocks, make sure you thoroughly understand each company those stocks represent before you invest.


2. Falling in Love With a Company

Too often, when we see a company we've invested in do well, it's easy to fall in love with it and forget that we bought the stock as an investment. Always remember, you bought this stock to make money. If any of the fundamentals that prompted you to buy into the company change, consider selling the stock.


3. Lack of Patience

A slow and steady approach to portfolio growth will yield greater returns in the long run. Expecting a portfolio to do something other than what it is designed to do is a recipe for disaster. This means you need to keep your expectations realistic with regard to the timeline for portfolio growth and returns.

4. Too Much Investment Turnover

Turnover, or jumping in and out of positions, is another return killer. Unless you're an institutional investor with the benefit of low commission rates, the transaction costs can eat you alive—not to mention the short-term tax rates and the opportunity cost of missing out on the long-term gains of other sensible investments.

5. Attempting to Time the Market

Trying to time the market also kills returns. Successfully timing the market is extremely difficult. Even institutional investors often fail to do it successfully. A well-known study, "Determinants Of Portfolio Performance" (Financial Analysts Journal, 1986), conducted by Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower covered American pension fund returns. This study showed that, on average, nearly 94% of the variation of returns over time was explained by the investment policy decision.2 In layperson's terms, this means that most of a portfolio's return can be explained by the asset allocation decisions you make, not by timing or even security selection.

6. Waiting to Get Even

Getting even is just another way to ensure you lose any profit you might have accumulated. It means that you are waiting to sell a loser until it gets back to its original cost basis. Behavioral finance calls this a "cognitive error." By failing to realize a loss, investors are actually losing in two ways. First, they avoid selling a loser, which may continue to slide until it's worthless. Second, there's the opportunity cost of the better use of those investment dollars.

7. Failing to Diversify

While professional investors may be able to generate alpha (or excess return over a benchmark) by investing in a few concentrated positions, common investors should not try this. It is wiser to stick to the principle of diversification. In building an exchange traded fund (ETF) or mutual fund portfolio, it's important to allocate exposure to all major spaces. In building an individual stock portfolio, include all major sectors. As a general rule of thumb, do not allocate more than 5% to 10% to any one investment.

8. Letting Your Emotions Rule

Perhaps the No.1 killer of investment return is emotion. The axiom that fear and greed rule the market is true. Investors should not let fear or greed control their decisions. Instead, they should focus on the bigger picture. Stock market returns may deviate wildly over a shorter time frame, but, over the long term, historical returns for large-cap stocks can average 10%.

Over a long time horizon, a portfolio's returns should not deviate much from those averages. In fact, patient investors may benefit from the irrational decisions of other investors.

How to Avoid These Mistakes
Below are some other ways to avoid these common mistakes and keep a portfolio on track.


Develop a Plan of Action
Proactively determine where you are in the investment life cycle, what your goals are, and how much you need to invest to get there. If you don't feel qualified to do this, seek a reputable financial planner.

Also, remember why you are investing your money, and you will be inspired to save more and may find it easier to determine the right allocation for your portfolio. Temper your expectations to historical market returns. Do not expect your portfolio to make you rich overnight. A consistent, long-term investment strategy over time is what will build wealth.

Put Your Plan on Automatic
As your income grows, you may want to add more. Monitor your investments. At the end of every year, review your investments and their performance. Determine whether your equity-to-fixed-income ratio should stay the same or change based on where you are in life.

Allocate Some "Fun" Money
We all get tempted by the need to spend money at times. It's the nature of the human condition. So, instead of trying to fight it, go with it. Set aside "fun investment money." You should limit this amount to no more than 5% of your investment portfolio, and it should be money that you can afford to lose.

Do not use retirement money. Always seek investments from a reputable financial firm. Because this process is akin to gambling, follow the same rules you would in that endeavor.

Limit your losses to your principal (do not sell calls on stocks you don't own, for instance).
Be prepared to lose 100% of your investment.
Choose and stick to a pre-determined limit to determine when you will walk away.

The Bottom Line
Mistakes are part of the investing process. Knowing what they are, when you're committing them, and how to avoid them will help you succeed as an investor. To avoid committing the mistakes above, develop a thoughtful, systematic plan, and stick with it. If you must do something risky, set aside some fun money that you are fully prepared to lose. Follow these guidelines, and you will be well on your way to building a portfolio that will provide many happy returns over the long term.

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