Remember if you buy a tracker and can decide when to sell you will not lose any of your hard earned. As in the chart above, you may have to wait several years to be proved correct, better if there is a dividend, so you can add more shares without risking any more of your capital.
Lower risk but you have to old thru thick and thin, there will always be plenty of thin.
You’ve sparked my interest in this topic.
Thank you for making this topic less intimidating.