Here’s the dirty secret about investing. Harder work does not lead to better investment results. More credentials do not correlate to higher returns. Think about that. In what other industry could you say that? If you want to increase your returns, do one thing: increase your time horizon. Stop trying to predict when the Nasdaq will tank. Stop worrying about the effect of the election results on your portfolio. Stop investing in high cost, complicated funds that promise to outperform with less risk. Every person reading this has capital that can be invested beyond a 5 to 10-year horizon. We aren’t naïve. There will be setbacks along the way, but odds of a favorable outcome are very much in your favor over time. Be optimistic and invest in stocks for the long run. We are.