Tom (name changed for privacy), became convinced that a particular tech stock was destined to keep soaring. Tom was so sure he insisted we double down despite our repeated advice to maintain a more balanced portfolio. The headlines seemed to validate his conviction: analysts were bullish, quarterly earnings sparkled, and the stock reached new highs month after month. Then, the company was hit with a surprise legal issue that sent shares tumbling, erasing a year’s worth of gai

In my experience, attempts at market timing are often a futile endeavor. Long-term investment success tends to come not from predicting everything that will happen perfectly,