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. Not sabotaging your own performance over 20 years, though — that's where it's won, and it's much harder than it sounds.