Jonathan Clements
1. You’re so well-diversified that you always own at least one disappointing investment.
2. Your livelihood isn’t riding on both your paycheck and your employer’s stock.
3. If the stock market’s performance over the next five years were miserable, you wouldn’t be.
4. You can remember the last time you rebalanced.
5. You have no clue how your investments will perform, but a great handle on how much they’ll cost you.
6. You don’t have any hot stocks to boast about.
7. For every dollar you’ve salted away, you have an eventual use in mind — and the dollars are invested accordingly.
8. Jim Cramer — who’s that?
9. A year from now, you plan to own the same investments.
10. You never say to yourself, «Wow, I didn’t expect that.»
11. You take tax losses when they’re available — but they aren’t available very often.
Jonathan Clements is the former personal-finance columnist of The Wall Street Journal and author of the «Jonathan Clements Money Guide 2016.» Follow him on Twitter and on Facebook.