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If you understand what the catalysts of a stock are (both long term and short term), buying individual stocks isn't a bad idea. And it's still possible to beat the market. But yes, most of your money should be invested in low fee index funds.

As an example: a few years back, I owned some yelp stock. At the time, it was a growth stock driven by usage numbers. The quarter before, iOS6 (or 7? cant't remember) was launched, which included yelp support in every iPhone. A few days before yelp's quarterly earnings, Apple announced they sold 15% more iPhones than expected. Guess what? Yelp's numbers for the quarter were up significantly. I made 20% on my money the next day (and sold my shares). If I didn't have subject matter expertise, I might not have seen that.



99.9% of people should not be doing that.


And that advice applies most fervently to the set of people who think they ought to be doing it...




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