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My investment philosophy:

1. Do NOT lose money.
2. Principal protection is more important than returns.
3. NEVER invest in a model you do not understand.
4. It’s a marathon; not a sprint.
5. Diversify, diversify, diversify!!!

That's the philosophy that also guides @Overwoodng
I am a VERY conservative investor.

Aggressive investors will disagree with my philosophy, and that's ok.

I happily make slightly lower returns in exchange for lower risks.

It's my viewpoint. Please feel free to share yours.
That's why I don't invest in:

- Forex trading
- Cryptocurrencies
- Options
- Index futures
- Early-stage startups etc.

High volatility; high risk. Not my game.
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