And that is true for stock, bond, mutual fund and insurance brokers who call themselves financial planners.

对那些自称为财务计划专家的股票经纪人、债券经纪人、共同基金经纪人和保险经纪人来说也是一样。

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They invest their 401(k) account equally in a stock mutual fund and a bond mutual fund, each of which charges average market fees.

CNN: Hidden fees are eating up your 401(k)s

You will have the least amount of emotional attachment to a stock (or a bond, ETF, mutual fund, etc.) before you own it and will be most cognizant of its potential risks.

FORBES: Market Volatility Requires A Sell Strategy