Investors should make sure that their investment expectations are reasonable and rational based on long-term experience.

• Market timing doesn't work. Long-term investors should stay fully invested unless it is clearly imprudent to do so.
  
• It's just as important to manage risk as it is to seek returns.
  
• Asset allocation is our preferred method for managing risk. It is important to note, however, that it does not guarantee greater or more consistent returns, or guard against market loss
• When it comes to their serious money, investors should consider using professional managers, rather then trying to manage it themselves
• Never invest in anything you don’t understand. Take the time to educate yourself before you put your investment capital at risk.