[toomuchtodo]

Entry and exit points are material, but you don’t know when to enter and exit to maximize profit, hence “time in the market beats timing the market.” On average, you should come out ahead (based on available data and back testing).

These are well worn passive capital market investment principles, with copious amounts of supporting data. As an individual, it is very difficult to do better than long duration broad equities basket exposure with a low expense ratio.