“It doesn’t matter when you buy stocks. You could have the worst timing imaginable and only buy at market peaks, and you could still come out ahead in the end if you have a long enough time horizon.” From Ben Carlson’s new book “Risk & Reward: How to handle market volatility and build long-term wealth.”My own advice from 1961, a total of 65 years of experience: “Save, Buy, Diversify, and Hold. Don’t compete with the professionals via Trading” survived several major market crashes over many decades and increased my investments in retirement saving by ten times.Invest in individual stocks only if you know something about the company.One example from my own life experience: I thought Apple Computer is a great company when it first issued stock at the price (adjusted for stock split) of $1 per share. Decade later I sold my Apple stock at $3 per share. I was quite pleased with myself for tripling my investment. Today Apple stock sells for $150 per share! I am not complaining or regretting since I feel I have been amply rewarded in my life otherwise. But this does illustrate my advice above.