I have concluded the best compounded return to generate superior wealth longterm is to buy: DIA cost average every month over 15-20 years sliding scale as markets rise, invests less vs previous month, if markets drop, invests more vs. previous month up to min/max monthly contribution values.. It will beat 90% of all mutual funds/hedge funds over 10 years and have a statistical risk edge over trading your own strategy. This assumes no redemptions for 20 years and assume reinvest of all dividends. Assume an initial investment of $100k with 10k contribution per month, you will have $10MM in 20 years. Up that to $1,000,000 initial and 100k contribution per month, you would have $100,000,000.