Our time-tested approach to investing

In every kind of market, for every kind of investor, we recommend a consistent three-step approach to investing based on ten fundamental principles that have a proven track record for helping investors achieve better outcomes.

Three important steps. Ten effective Principles.

1. Having an investment plan that is realistic and actionable is crucial to meeting goals.

2. Understand your plan, follow it and adjust it when things change in your life.

3. Saving and spending rates have the greatest impact on success.

4. Diversification is the second most important factor in reaching goals.

5. Select the asset allocation that’s right for you, and stick with it.

6. Choosing professionally managed investments can be a better way to invest.

7. Acting now generally beats waiting.

8. Periodic checkups keep a portfolio healthy.

9. Progress toward goals is more important than short-term performance.

10. Use the right benchmarks to evaluate performance.

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Learn more about Schwab's Investing Principles

Mark Riepe on Becoming a Successful Investor