Use sector rotation to follow macroeconomic cycles

Mix passive and active strategies for tactical exposure

Allocate capital based on your risk tolerance, not peer pressure

Rebalance quarterly to maintain your desired mix

Choose an allocation based on your time horizon

Limit emotional investing by automating your contributions

Invest with a long-term thesis, not short-term headlines

Use a target-date fund for automatic glide path adjustments

Balance growth stocks and dividend payers based on goals

Build a diversified portfolio by asset class, region, and industry

Use dollar-cost averaging to reduce timing risk

Create a core-satellite structure to blend stability with growth