You had me up until "You think Elon Musk is a badass". Yes ETFs and index funds are market averages, and technically doing some due diligence can put you above

You had me up until "You think Elon Musk is a badass". Yes ETFs and index funds are market averages, and technically doing some due diligence can put you above the average, but will your percentage over the average exceed the opportunity cost of having to research the data in the first place? "Think" is a qualifier for speculation. That entire paragraph is just a buildup of speculation that leads you to buy simply based on what you "think" is the right answer. At that point you're no longer basing your decision on fundamentals, but on a gamble. PS: Go Bruno