I closely align with 'Boglehead' investing philosophy. This school of thinking tries to minimize risk by emphasizing consistent investment over time, avoiding attempts to time the market and pick stock 'winners'.<p>One of the best parts of Boglehead culture is a set of short, easily remembered phrases that describe core principles. In this case, I think of the phrase "Nobody knows Nothing!", which means there has never been anyone who can consistently tell when the market is about to spike upward or downward.