WHAT YOU CONTROL IN STOCK MARKET

• Your Brokerage Costs , by trading rarely , patiently and cheaply . 

• Your Ownership Costs , by refusing to buy mutual funds with excessive annual expenses .

• Your Expectations , by using realism , not fantasy , to forecast your returns.

• Your Risk , by deciding how much of your total assets to put at hazard in the stock market , by diversifying  and by rebalancing .

• Your Tax Bills , by holding stocks for at least one year and , whenever possible , for at least five years , to lower your capital gains liability .

• And most of all Your Own  Behavior .