Often, they diversify by the seat of their pants, fail to adjust their portfolios to changing values, ignore tax issues and take a cov infamy flier on individual securities even when they know better.

• 决心是很容易下的，比如：多研究、少交易、降低成本、出售表现滞后的品种、将资金投入到指数基金或对不了解的品种不要冒险等等。