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Investors often lose money not due to lack of information, but from a lack of conviction. When market opinions diverge from their analysis, doubt creeps in, leading to poor decisions. Building a structured process and understanding the reasons behind investment choices can foster true confidence and encourage disciplined decision-making, even during market downturns.

I am constantly hearing people tell me that life is short. But I have begun to think that the idea that life is always short may be the wrong way to think about it. 

From 1929 to 1932, GDP in the United States declined by 30%, the stock market lost 73% of its value, and unemployment hit an all-time high of 25%. One in every four Americans did not have a job. 

The stock market goes up and down because of hundreds of thousands of trades from hundreds of thousand of different people, funds, endowments, businesses, governments, and countries. Understanding the market movement in a single day is borderline impossible, but thinking you can understand the reasons is downright foolish.

I cannot count the number of times I have heard people say, “If I only had a million dollars!” “Then I would take some time off, spend more time with my family, take that trip, start that business, do that one thing I have always wanted to do.” I have come to the...

Bill Gates founded Microsoft in 1975 with ambitions of putting personal Computers into every home. Mr. Gates understood investment returns well and had the abilities to invest Microsoft’s massive cash flow almost anywhere — back into the company, into the stock market, into corporate bonds, pay it as a shareholder dividend, the list goes on and on. But instead of taking advantage of any number of these high-yield options, he did something else with his cash: he kept it.