Writings by Randall

Trying to time the market is a losing game—both for individual investors and seasoned professionals. Historical data shows that missing just a handful of the best market days can drastically cut long-term returns, making emotional, short-term decisions costly. Even professional fund managers struggle to outperform simple index funds over time. The key to building wealth isn’t predicting market swings—it’s staying invested, avoiding panic-driven moves, and letting time in the market do the heavy lifting.