> Put your money in the stock market, regardless of its health and structure. I’m not convinced that this is a bad thing. The basic reason is due to broad mar

> Put your money in the stock market, regardless of its health and structure. I’m not convinced that this is a bad thing. The basic reason is due to broad market ETFs like VT/VTI/VXUS and similar. The problem an individual investor has is primarily an issue of information density and information asymmetry. They don’t have the time to be an expert at the same level as institutional/professional investors, and institutional/professional investors have better sources of information. So what can you do? Observe the behavior of institutional/professional investors as a proxy for your own analysis. What you see on even relatively short timescales is that as some investors leave the market pulling prices down, the lower prices convince other investors to enter the market (more deeply). Individual companies/stocks may flounder, but the market as a whole on a long enough timescale appreciates in equivalence to inflation + new value. This is inclusive of crashes, which are historically the /best/ times to invest. If you aren’t trying to pick stocks you completely change the risk calculation (and the reward, you won’t get 100x multiples). There’s nothing stupid about consistently investing in a broad market fund, but I’m open to evidence to the contrary.