Trying to Be Smart
Smart people often do worse in investing.
They:
-
Over-analyse
-
Over-trade
-
Under-commit
A simple plan executed consistently beats a clever plan abandoned early.
Mistake #2: Timing the Market
If you’re waiting for:
-
The perfect entry
-
The crash
-
The signal
You’ll likely stay in cash too long.
I invest despite uncertainty, not after it disappears.
Mistake #3: All-In on One Asset
All-equity portfolios feel great until they don’t.
Diversification is not weakness.
It’s humility.
Mistake #4: Changing Strategy Every Year
2024 crypto
2025 AI stocks
2026 something else
Wealth is built by staying, not switching.
My Execution Plan (Real Life)
-
Invest in 2–3 tranches, not all at once
-
Automate where possible
-
Rebalance once a year
-
Ignore noise
The Real Goal of Investing
It’s not to:
-
Beat the market
-
Impress others
-
Retire at 35
It’s to:
-
Reduce stress
-
Buy time
-
Protect your family
Final Words from Lew Wen Wan
If you remember one thing from this series, remember this:
A portfolio that lets you stay invested is better than one that looks good on paper.
$52,000 invested sensibly in 2026 won’t change your life overnight.
But done right, it will quietly change the next 20 years.
