Bogleheads' ten rules for investing

The ten-rule summary from the Bogleheads wiki's investment philosophy page. Order is theirs, not mine.

01
Develop a workable plan
a budget, a savings rate, and an actual written policy for what you're doing and why
02
Invest early and often
03
Never bear too much or too little risk
your allocation should let you sleep at night. that's the whole test
04
Diversify
05
Never try to time the market
(not financial advice) most of us are worse at this than we think, myself included
06
Use index funds when possible
07
Keep costs low
an extra 1% a year in fees is not nothing over 30 years. do the math
08
Minimize taxes
09
Keep it simple
three index funds is a portfolio. it doesn't need to be a hobby
10
Stay the course
the boring one. also the one people break first

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