https://ritholtz.com/2022/05/my-investing-philosophy-in-a-nu…
**1. Stock picking is exceedingly difficult:**
**2. Market Timing is even harder:**
**3. We are oblivious to our own cognitive shortcomings:**
**4. Behavior is the biggest determiner of investor returns.**
**5. Consistent average returns turn into above-average returns over time.**
**6. Don’t overlook tax alpha:**
**7. Fees matter a lot:**
**8. Use Tactical portfolios tactically:**
**9. Financial literacy requires constant refreshers:**
**10. Investing is simple, but hard:**
Each of these has an explainer paragraph at the link.