Investment advice I wish I knew when I was 25 years old

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“This article will give in one page the most important lessons I've learned from almost three decades of investing.”

Imagine Investor A , and Investor B , both are the same age. Aiden starts to save $1,000 a year at age 25, and does so for 10 years. At age 35 he stops adding any money to his investment portfolio, having contributed a total of $10,000.

This stark difference in results is just from a 17-year head-start. You want to be like Aiden, not Bryan. Even better, be Investor C . Cherine increases her savings contribution to her investment portfolio every year as her career progresses, instead of keeping it static. In addition to increasing the investment compounding, doing this has the added benefit of reducing the negative impact of any equity bear market in the initial years of investing.

Successful investing over five decades is not about finding undiscovered stocks that goes up one million per cent. Hendrik Bessembinder a professor from Arizona State University wrote a fascinating research article in 2017. I have read it multiple times looking for flaws in its argument, but did not find any. It concluded that less than 4 per cent of all stocks in history contributed to all of the historical performance of the stock market.

 

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