[eighthnate]

> No it isn't! It's better to buy and hold and ride it out

No. Decades of research has shown that it's better to sell early and get back in late. It has shown that selling late and buying back in early is worse than riding out. It has shown that selling and never buying back in is worse than riding out.

> Decades of research by now has shown that buy-and-hold beats timing the market every time.

No. It has shown that people are bad at timing the market. Nobody can buy at the lows and sell at the highs. That's why you sell early and buy back in late.

For most people, they should just buy dated mutual funds and not even think about the markets.

The simplest thing to do is to start liquidating your stock positions when the fed starts ramping up interest rates ( maybe a few quarters of consistent interest rate hikes ) and then start buying back in slowly when the FED starts lowering interest rates.

That will give you far better returns than buying and holding.