A lot of newbie investors tell me, “I just have a low risk tolerance.” But here’s what I’ve learned: most of the time, that’s not actually true. What’s happening is that you’re trying to make long-term investment decisions without short-term clarity, which makes everything feel risky.   Here's wh...

I’ve seen this happen so many times. Someone in their 20s or 30s starts investing, but because they’re scared of the stock market, they go straight for the most conservative investments — GICs, money market funds, cash-heavy portfolios — thinking they’re playing it safe. But here’s what I need yo...