Consider owning various asset classes instead of a single one. For example, a portfolio of securities such as bond funds, emerging markets stock, plus domestic stock and potentially foreign bonds.
- Wisely weight in the risks and technologies involved (such as Bitcoin and such).
- Always try to keep your fees low.
- Consider that you'll be unlikely to earn as high returns with a balanced portfolio, but might face less volatility.
- Either diversify your portfolio, or buy a good low-cost target date fund, which means the whole retirement funds' balance needs to be in.