10. Don't follow the crowd
Fashion is made to become unfashionable.
--Coco ChanelOr, as the legendary financier Sir James Goldsmith has said, "If you see a bandwagon, it's too late."
In the late 1990s, there was no more fashionable bandwagon for investors than
Firsthand Technology Value fund. It returned 23.7% in 1998, but investors really piled into it after it rocketed an incredible 190.4% in 1999. But by then, the bust of 2000 was about to unfold, and Firsthand was soon to become as passé as plaid trousers. The result was a chilling example of the perils of following the herd: While the fund posted a respectable 16% annualized gain over the four years through 2001, the average shareholder in the fund actually lost more than 31.6% a year.
Everyone's got concerns when it comes to money, but some have fears that can really put a big hole in their financial future. Here's how to overcome five common ones. (more) 
The answer has nothing to do with finding the single perfect stock or mutual fund. The key is changing your idea of what the 'right' investment really is. (more) 
