well, how then?
I invested for more than 30 years and rode the 90s boom in tech stocks and switched to safer and more conservative stocks when I retired in Dec. 1999.
I got out just in time but it was no stroke of genius on my part. Just luck that I retired and backed off the tech boom just before the NASDQ went down hill.
I started working in the cotton fields when I was 10 years old and knew even then that I am basically a lazy person. So I worked and saved and invested so I could pursue my real passion someday.....Being lazy.