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Don't listen to the lies of Wall Street. The first lie is that you can't time the market. This is a clever ruse to keep you unaware of the most important thing you should know: market direction. The second lie is that "buy and hold" is a winning strategy. This lie is designed to convince you to leave your money with the broker no matter how much you lose. The third, and perhaps cruelest, lie is to dollar average your stocks on the way down. This lie is designed to have you send more and more money to your broker, no matter how much you lose. The fourth lie is that you can't beat the market. This lie is designed to make you feel stupid, so you must trust your broker. Who's future you trying to build? Your future or your advisor's future?