It’s been a rough first half of the year for investors, due to the lousy performance of both the stock and bond markets. The time will come, who knows how long, when investing in the stock market comes back into favor. Here are some things to consider in the meantime.

1. Most stocks underperform the index and many underperform boring, old T-bills. As Ben Carlson at A Wealth of Common Sense writes: “Simply surviving in the U.S. stock market is an accomplishment over the long-term, let alone outperforming the market.”

2. Don’t buy individual stocks. Period. The existential dread it invokes isn’t worth it. Nick Maggiulli at Of Dollars and Data writes: “These are just a few of the questions you have to ask yourself with every investment decision you make as a stock picker. It can be a never-ending state of existential dread. You may convince yourself that you know what’s going on, but do you really know?”

3. If you do break down and buy individual stocks, don’t tell anyone which stocks you own. Especially if you have a blog or newsletter. Jack Raines at Young Money writes “I don’t write about individual stocks anymore because I don’t want to influence an investment decision that costs someone else money. Yet from CNBC to Twitter, promoters unashamedly shill their favorite investment ideas every single day.”

4. Don’t give anyone, ANY investment advice. Most people are just looking for tips or shortcuts. Ramp Capital in the Ramp Report writes “Or just stop giving advice, period. You shouldn’t be giving any type of investment “advice” anyways unless you’re a registered investment advisor. Everyone’s personal finance situation and risk profile is unique and should be treated as such when constructing a portfolio.”

If nothing else, these four guidelines will save you a lot of time and aggravation. There’s plenty of stuff to be aggravated about these days any way

This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment.

The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Ritholtz Wealth Management employees providing such comments, and should not be regarded the views of Ritholtz Wealth Management LLC. or its respective affiliates or as a description of advisory services provided by Ritholtz Wealth Management or performance returns of any Ritholtz Wealth Management Investments client.

References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

Please see disclosures here.

Please see the Terms & Conditions page for a full disclaimer.