No secrets to investment success

Many people look for the “secrets” to investment success. Is it timing the market just right? Is it finding those hot stocks or getting in on the “ground floor” of the next big thing? Actually, these types of moves have little relevance to the vast majority of investors — even the most successful ones. So let’s take a look at some steps you can take that can be effective in helping you work toward your financial goals.

• It’s time in the market…not market timing. Some investors think they can succeed at “market timing” — buying when the price is low and selling when...