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.
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