I won’t deny that there are some people who shouldn’t be in the market at all or who without someone to steady them will jump on the biggest bubble just before it bursts or dump a sound investment just before it rebounds. But that’s an emotional response. And some financial advisors will have lucky guesses and beat the market in the short term. But the overwhelming majority of financial advisors will not beat the S&P 500.
And if you look at your financial advisors paperwork, they will ALWAYS tell you that past results are no guarantee of future results. That disclaimer is there for a reason.
But it’s your money…