1. Equity & income investment

Perhaps write something about equity and fix income investment.
[I've read many articles, thus I won't mention any specifically, because I couldn't recall each one.]

1. Don't jump in hype or super high expectation company, because you're paying high premium. Just a normal or below expectation quarter would trigger a sell-off. Mutual fund [MF] investors were super quick for this kind of actions before you knew what was going on, e.g. 10% down in a day.

2. Buying value companies as it is likely to survive any economic down turns, i.e. down/dumped during recession, then back to its peak again, e.g. big banks and blue chip companies. I think, big banks were safer then blue chip companies, e.g. Nortel was gone.

3. Read quotes by Mr. Buffet and books recommended by him. I also like "One up on Wall Street" by Mr. Peter Lynch, who showed that you could get multi-bagger stocks by meeting/interviewing/selecting unrecognized companies before Wall Street did.

4. Recession or temporary problems by a good company provide super opportunity to buy. Investors dump shares in these cases. We could buy at lower prices or without premium. Recession and temporary problems will be gone one day. This is a good chance to get 50% - multi-baggers return, but you've got to be patient.

5. Don't chase company or MF with exceptional pass performance. It does not guarantee future returns. Seriously it might give poor returns in subsequent years as stocks that MF holds have reached their peaks -> slowly move upwards or correction.

6. Banks always make money and backbones of economy, thus it is safe. Especially the financial crisis forced law makers to keep track of bank risky investment, it's even safer. But don't expect 30%-100% annual returns in bank shares. Exception: recession or dumped by other investors.

7. Companies that paid attention to business were better. Otherwise companies, which would do anything ridiculously to please investors, would be in trouble one day.

8. Buying companies with consistent returns. You could do it by entering each quarter RE in Excel and calculating. I used Yahoo's maximum [10 yrs - 20 yrs - or more] year's stock chart to see if the slope was consistently upwards like Coca-Cola's chart.

9. Only invest extra money for a long period of time, e.g. 10 years. We didn't know if any temporary problems or recession came -> stocks would be dumped by investors by 10% - 70% quickly as in the last recession. You should check the stock charts. We didn't want to sell stocks, because we needed money on the days they're dumped.

10. Buying index MF like US S&P 500. If US economy performed well, then the index would. This index covers a large portion of US economy. This index is maintained by Standard and Poor organization. This index is safe as history showed that it came back to its peak after a recession or crisis.

11. ETF funds are not the same. Some tracks the whole sector; some includes only large ones, etc. Anyway ETF is also safer than choosing a specific company in the sector.

12. Diversifying our investment. We don't have a crystal ball, thus spread out our investment in different companies or sectors would prevent a sharp down turn in our portfolio. Btw, if we knew super company then we would put 100% of our money in that company to get multi-baggers.

13. May be one day someone would come up with a formula for stock investment! Stop loss is not 100% best strategy; short seller could dump shares to trigger your sell-off. Selling/dumping shares on temporary problems is not a good strategy.

14. List of books to read http://business.financialpost.com/2014/10/01/warren-buffett-book-picks/. Don't trust your financial advisors completely, because they earned money based on your investment sizes and commissions by a MF. Anyway you should get better understandings of investment in stocks by readings. Financial advisors must treat you as knowledgeable one.

15. There is a rule for maintaining your portfolio based on your age. For example, you are 30 years old, you should put 30% [age%] of your portfolio in bonds/fix income funds, and the remaining portfolio should be in equity funds. Rebalance your portfolio regularly or as needed. Usually coming out of recession equity funds may go up 50% - 100%, it's time to switch some money in bond funds. During recession equity funds plunged 30%-80%, it's time to switch some bond funds to equity. This strategy worked for me in the past.

-> Notes: bond price goes in reverse direction with the interest rate, i.e. when recession hits, central bank reduces interest rate -> bond rises. In the other side, stocks rise during low interest rates, i.e. in going out of recession.

-> Fix income or bond funds have their major portfolio in bonds.
-> Equity funds hold more equity stocks.

16. Some suggested that financial advisors took commissions based on investment gains in the portfolio, e.g. 10% of gain, instead of 2% - 3% of your portfolio regardless of gain or loss. Linking commissions on the portfolio gain would align our interest with the financial advisor.

17. Statistics showed that more than 90% of day traders, who are short-sell and buy/sell quickly or regularly, would lose money. Stock investment was like a game, but if you gambled you'd lose quickly.