Kemp Financial's 10 Truths Equities should be considered in every portfolio because it may be the best way to maintain your purchasing power. The greatest return on investment will come from your job or business in time saved and money earned. Everyone must take personal responsibility for saving for their own retirement because the days of fixed pensions are over. "Actively" managed funds add additional costs, tax inefficiencies and uncontrollable overlap that can affect your returns. Market timing is a poor investment strategy for long-term results. Investor behavior plays a predominant role in investment success. It is important to pursue what matters most in life because time is precious. Establishing goals and staying true to them are key components to success. Listening to the financial media causes unnecessary stress. Happiness is success.Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. These are the opinions of Kemp Financial. Individual situations will vary.