Rationality Is the Best Tool for Money Investment - Getting Closer to God's Voice 1985

Financial advisor and author of The 8 Biggest 401(k) Mistakes and How to Avoid Them Mitchell Bloom says: it’s important to develop an investment philosophy so you have guidelines to keep you on track when emotions get in the way of investing. He claims that“Emotions can hinder a good investment plan in different market environments, whether you’re experiencing a bull run where the markets are up, or a bear market where the markets are off 20% or more from their highs.”

Many investors focus on “dollar cost averaging,” which describes a strategy where you invest the same amount of money every month.

# Peer-to-Peer Lending

Platforms like Lending Club and Prosper allow you to loan money to individuals like what the banks do.

Reference

Why Emotion Is The Enemy Of Investing – Money Crashers

6 investing scams triggered by your emotions

財務顧問兼《最大的八個401（k）錯誤和避免方法》一書的作者米切爾·布盧姆（Mitchell Bloom）說過：制定投資理念非常重要，因為他說：情緒可能會在不同的市場環境阻礙良好的投資計劃

我的個人觀察：房價高低和股價高低的波動都是正常的，逢低買進也是王道，但太多人太執著於絕對低點，而錯過相對低點，又太多人執著於絕對高點的賣價，而錯過出售的時間點