There are gurus who tell you to invest for dividends.

There are gurus who tell you to invest for capital gains.

There are gurus who tell you that you cannot beat the market.

There are gurus who say you should pick your own stocks.

There are gurus who say you should not buy and hold, and should just time the market.

With so many varying advice, no wonder our retail investors are confused. And investors no longer know what they want. In fact, they stop asking what they are trying to achieve through investing or trading. They resort to listening to gurus who they felt are most convincing.

Sadly, that is not the way to go. The guru’s investment goal may be greatly different from yours. Not knowing your investment goal is like not knowing where your target is as an archer. Without a target, where shall you aim or ...