And the smartest investors know just when to enter the market — except for when they don’t! - Tony Robbins

toda la diferencia se reduce a la manera en que nos comunicamos con nosotros mismos y a las acciones que emprendemos.

If you lose 50%, it takes 100% to get back to where you started — and that takes something you can never get back: time.

Asset management fees, 12b-1 fees/marketing fees, trading costs (brokerage commissions, spread costs, market impact costs), soft-dollar costs, redemption fees, account fees, purchase fees, record-keeping fees, plan administrative fees, and on and on.