Source: The College Investor It might be surprising to young investors that there are really only two things that truly matter in investing: how much money you can put into your account, and your asset allocation. Novice investors frequently assume that they need to master every minute aspect of investing before earning a steady return: P/E ratios, capital gains taxes, load vs. no load mutual funds, technical analysis, on and on, ad infinitum. This is a profoundly mistaken belief, and one that freezes countless investors in their tracks instead of delivering the returns they deserve. Today, I …