It doesn't have to be hard: Mutual fund companies offer funds that automatically adjust the mix of investments based on age. (interest.com)
You will have an edge on most investors if you make investments based on expected 3 - 5 year returns instead of 12 - month returns. (safalniveshak.com)
In other word's they are trying to get ahead of the crowd, rather than choosing investments based on sound, independent judgement of an investment's characteristics. (sleepycapital.com)