§ 01
| How often | What to do |
|---|---|
| Every payday (automatic) | Auto-invest a fixed amount into your funds -- set once, never touch |
| Once a year (~30 min) | Check your stock/bond mix vs target; rebalance if >5 points off (new cash in taxable); bump your contribution if you got a raise |
| Every few years / life events | Re-check your allocation as your horizon shortens (glide path); revisit after marriage, kids, a home, or a job change |
| Near the goal (5-10 yrs out) | Shift gradually toward bonds and cash so a late crash can't derail you (sequence risk) |
§ 02
The single biggest predictor of long-run success is not which funds you picked -- it is whether you kept contributing and left the portfolio alone through downturns. This checklist is designed to be boring on purpose. Boring is what compounds.
§ 03
Put one recurring calendar reminder -- 'annual portfolio checkup' -- on the same date each year (your birthday works). That 30-minute habit is the whole maintenance plan.
§ 04
§ 05
What is the realistic maintenance schedule for the portfolio you've built?
Five questions · AI feedback
Sit with the ideas.
What does the evidence say is the biggest driver of long-run investing success?
Why: