Both rules have merit, but if I had to choose, I lean toward holding long-term. Time in the market generally beats timing the market, especially for retail investors with limited capital. Compounding, dividends, and the steady growth of quality businesses reward patience far more reliably than short-term trades.

“Buying low, selling high” sounds ideal, but in practice it demands precision, speed, and constant monitoring—areas where Wall Street’s algorithms have the edge. Retail investors often get whipsawed trying to time entries and exits.

If I could hold only one U.S. stock long-term, it would be Apple (AAPL). It combines strong brand loyalty, recurring revenues from its ecosystem, disciplined capital returns, and continuous innovation in both hardware and services. Apple isn’t the fastest grower, but its durability, scale, and cash flow make it a reliable anchor for compounding wealth over decades.

# Rules For Investors Under $100K: What to Watch Out in Stock Market?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Report

Comment4

  • Top
  • Latest
  • Apple got a 100% pass on tariffs, then they downgraded to aluminum, and still raised the price of their phones by 10%. Only way they can grow now I guess.

    Reply
    Report
  • AAPL may be consolidating here before next all time high.
    Reply
    Report
  • Cliff
    ·09-26
    I totally agree
    Reply
    Report
  • EarlBoyle
    ·09-26
    Absolutely agree
    Reply
    Report