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- The purpose of investing is to maintain and grow purchasing power over long periods of time.
- Asset Allocation is the most important decision, which incorporates risk tolerance, risk capacity, and required rate of return.
- The Asset Allocation should be globally diversified.
- The market cannot be beat or timed with any consistency over the long term after fees.
- Investor returns are more important than investment returns.
- Stocks should outperform bonds over time, but will underperform at times.
- Passive investment funds offer the most efficient way to access global asset classes.
- The investor should focus on what they can control: costs, diversification, rebalancing, tax awareness and a buy-and-hold strategy.