Investment advisors have no more ability to predict the future actions of human beings than psychics and fortune-tellers. No one can move you in and out of investments consistently with precise and profitable timing. No trading system will work as well in the future as it did in the past. When you invest, you accept the return the markets are paying in general. When you speculate you attempt to beat that return through astute timing, forecasting, or stock selection, and with the implied belief that you're smarter than a mere investor.
Every investment has bad periods.
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