..Is that I am entirely unqualified to do it.
There are people who have dedicated their *entire lives* to predicting fluctuations in markets like these.
And then there’s my naive self, foolishly thinking I actually have any insight whatsoever, rather than just literally guessing like everybody else.
Remember [this study](https://twocents.lifehacker.com/the-best-investors-literally-forget-about-their-portfol-1782581085) which found the portfolios in which the owner had *died* actually performed the best, simply because they weren’t there to disturb it.
Will buy and hold from now on.