Many young individual investors are diligently reading books and quickly scrolling through their smartphones to invest in a variety of promising assets, from ETFs to dollars and gold. They even actively manage blogs to continuously share their knowledge.

However, this approach can be inefficient. Instead, investing in simple index funds, or entrusting large assets to professional institutions, may be a wiser choice. These institutions leverage advanced information and capital to pursue stable returns.

Over the past 20 years, the U.S. S&P 500 has generated an average annual return of 9%. Less than 1% of individual investors are likely to achieve this. While trading volumes on the KOSPI and KOSDAQ are declining, deposit balances remain high, indicating that most investors are still holding assets.

Individual investors often make small investments in 20 to 30 different assets. Even with this diversification, the sectors they actually cover are limited. Although there may be a few success stories, most will find it difficult to profit when considering fees and taxes.

Successful investors like Peter Lynch and Warren Buffett have focused on investing in just a few solid assets. What individual investors need is the ability to invest in a few sure bets and to identify sectors or companies that others overlook.

In summary, when investing, it’s important to carefully select assets and maintain a certain level of cash. Consider making additional purchases only when stocks with growth potential experience significant declines, and avoid indiscriminately investing in a wide range of assets.