1. Scared of stocks and thinking of going all-cash

    Scared of stocks and thinking of going all-cash

    What I think is the key financial lesson of 2012: investing on the basis of gut or intuition is a fruitless exercise that's more likely to end up costing you money than making it.

    The way to deal with uncertainty isn't to move in and out of the market based on a hunch. That's not an investing strategy; that's a guessing game.

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