Think about how you’d feel if your investment dropped by 20% in a year. If that thought keeps you up at night, you might have a low-risk tolerance and should lean toward less volatile investments.

The key is to investing keep it simple. Investing is just like writing a 50K word book. Is it hard? You’re damn right. But if you break it up into 25 sessions of writing 2K words at a time, it’s not that bad.

The key word is simple. Make hard things simple and you’ll be fine.