I tried to find smarter ways to make money with markets, including AI-assisted trading. My conclusion: it is not reliable. What is reliable is owning a broad slice of the market for a long time.
What I invest in
I invest in an accumulating S&P 500 index fund domiciled in Ireland. Accumulating means dividends are reinvested automatically. The Irish domicile matters for many non-US investors because it can reduce the tax withheld on dividends compared with a US-listed fund.
A plan, not a feeling
I follow a multi-year plan: a fixed monthly contribution, plus extra lump sums when I can. I do not check prices daily, and I do not sell when the news is bad.
Why boring wins
- Low costs mean more of the return stays with you.
- Broad funds remove the need to pick winners.
- Time in the market matters more than timing it.
This is my personal approach, not financial advice. Do your own research or speak with a licensed adviser before investing.
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