> Specially after a down turn like the one we've had over the last 2 years. The market is flat over the last 2 years, and if you go to 4 years it is up quite a

> Specially after a down turn like the one we've had over the last 2 years. The market is flat over the last 2 years, and if you go to 4 years it is up quite a bit. The lesson I take away from this is: try to budget so you can invest over a longer period of time, in low-cost (fee) investments. Fees will eat into your returns, so try to keep it low. Last 2 years may prove to be a good time to have accumulated stocks. Now, individual picks? You can make bets on things like consumer defensive stocks, or bank stocks, or whatever. But these are bets and you need to do research and try and make a smart bet. I know people who have made a few good life-changing bets, but... I think it's still a bet.