There are definitely things I get wrong in my investment portfolio.

I hold too much company stock and cash, and I don’t have the recommended allowance of bonds for a person my age. My record on curbing taxes hasn’t been perfect. I’ve held tax-inefficient funds in a taxable account and have been slow to move money into IRAs each year.

But despite these missteps, my husband and I have managed to do just fine from a big-picture standpoint. Here’s what has worked for us.

We maintained a high savings rate

Luck played a starring role in our ability to save: My husband and I had the good fortune of emerging from college debt-free, which enabled us to buy a house and start saving for retirement early in our careers.

We’ve also both been employed for three-plus decades, meaning that we’v

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