That's called "thinking you're smarter than everyone else." That's not the same as being intelligent. You can read about and learn how to intelligently invest y

That's called "thinking you're smarter than everyone else." That's not the same as being intelligent. You can read about and learn how to intelligently invest your money over the desired time period for the goal you have. And if you have a long time period, you can read that you're most likely to succeed by dumping it in a total stock market index fund!