The miracle of compounding returns is overwhelmed by the tyranny of compounding costs. Never forget that.

costscompoundingThe Little Book of Common Sense Investing, 2007

Don't look for the needle in the haystack. Just buy the haystack.

index-fundssimplicityCommon Sense on Mutual Funds, 1999

Time is your friend; impulse is your enemy. Stay the course.

patiencebehaviorVanguard Shareholder Address, 2012

In the fund business, you get what you don't pay for. Costs are the enemy of the investor.

costsfeesCommon Sense on Mutual Funds, 1999

The stock market is a giant distraction from the business of investing.

behaviormarketsThe Little Book of Common Sense Investing, 2007

If you have trouble imagining a 20% loss in the stock market, you shouldn't be in stocks.

riskvolatilityVanguard Investor Education, 2000