I disagree with you: You're talking about what happens under a rational behavior. If you get a lot of money suddenly, that's not the case. If you invest it all

I disagree with you: You're talking about what happens under a rational behavior. If you get a lot of money suddenly, that's not the case. If you invest it all at once in the market, and get by chance high returns quickly, you could start gambing (investing) very quickly.