Digital advisers vs stock picks, how do they measure up against each other?

Hi Anon,

Its ok, I do read through all questions tagged! :)

There are individuals who do well stock picking and timing the market, but we think it is difficult to do it consistently, as it takes a lot of time, emotional management, and knowledge to do it well to have a chance.

I think having a 7% returns based on a balanced, diversified, low cost portfolio held consistently is something that indivdual investors can get if they do DCA well, and over the long term returns.

Hope that answers!​​​

My curse was that I did well on my first stock pick. It took a very long time before I attributed that to blind luck.

"selling the dream that they can outperform the market and retire early. "

That's what they do, they "sell".

A good strategy for investing is attributed more to discipline rather than pure mathematical genius. If you like me will have an issue accepting that you do not beat the market after 50 years on your deathbed as compared to simply investing in a passive index fund, choose the index fund.