DCA, rebalancing, cognitive biases: the part that actually drives 20-year returns — not this month's stock pick. Short, mechanical, applicable from today. Boring on purpose.
Most retail investors invest on instinct: impulse buys, fear-driven sells, no written exit criteria. A written method — even a mediocre one — beats any perfect method that stays in your head.
I don't propose « miracle strategies ». The best method is almost always the simplest, the most regular, and the most boring — that's mathematics, not opinion. If you're hunting for an edge, you won't find it here. If you want to stop sabotaging your own performance over 20 years, stay. That part is much harder than it sounds.