Market Timing

The Truth About Beating the S&P 500: What 8 Years of Real Trading Taught Me

I’ve heard this phrase countless times from financial advisors, academic researchers, and fellow investors. The conventional wisdom is clear: 90% of professional fund managers fail to outperform the S&P 500 over ten years, so why should individual investors even try?

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Why Most DIY Investors Underperform (and How to Fix It)

The promise of DIY investing is appealing: take control of your financial future, avoid advisor fees, and potentially beat the market. Yet research consistently shows that self-directed investors typically underperform major market indices by a significant margin.

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