["Resulting" is the evaluation of a choice based on outcome rather than its process; a different choice that appears to have "won" (especially by luck) wasn't necessarily a better decision or reflective of superior capacities.]

[ETFs tend to declare distributions and pay out in January, which makes it a useful moment to schedule your yearly rebalance.]

[ETFs tracker errors (not matching its benchmark), withholding taxes, and management fees mean that multiple funds tracking the same instruments can have inconsistent results. Compare fund returns with benchmark returns to get a sense for the diff.]

[Allocate less to equities at retirement, but maintain enough to benefit from a remaining investment timeframe of about 20–30 years.]

[Hold bonds in your local currency. Exposure to other currencies adds risk to what should be a safe-haven asset.]

[The Dow (with 30 commitee-selected entries) and NASDAQ 100 (only non-financial) are poorly diversified and not a gauge of the broad market.]