NEW YORK ( TheStreet) -- When it comes to investing, it's always good to keep your portfolio fit and to avoid indulging in too many risky alternatives. That means that you should stay away from the more speculative asset sectors and maintain focus on the most important financial fitness goal: Protecting your principal at all costs.Accordingly, it's always wise to begin your day with a purpose -- or a goal -- in which you aim to create a consistent routine. By maintaining a repeatable investment strategy you will wake up every day feeling like you're fueling your piggy bank with the "breakfast of champions". One of the better ways to protect your all-important "nest egg" and to maintain this disciplined routine is to utilize one of the most powerful investment laws in the universe -- the power of compounding. Simply put, this compounding concept refers to re-investment of income to consistently grow your principal over time. When asked to name the greatest invention in human history, Albert Einstein replied "compound interest." Essentially the "law of compounding" is kind of like a free ATM machine where instead of withdrawing free cash (from the ATM), you are instead buying more stock with the income derived from your dividends.