This is the issue I talked about before. From a retail investor's perspective, the ups and downs of the U.S. stock market are indeed hard to predict. But when it comes to indices, like the Nasdaq 100 Index or the S&P 500, historically, they've always been on an upward trend. That's why for retail investors—and even many institutions and insurance companies—the S&P 500 is often used as a foundational benchmark. This explains why strategies like buying the dip or dollar-cost averaging tend to yield decent returns. Essentially, buying an index is equivalent to betting on the growth of the U.S. economy. If you believe that in the next five or ten years, the U.S. will continue to maintain its leading position globally, then investing in indices might not outperform individual stocks, but the probability of doubling your investment in five years is still quite high—and it's suitable for large-scale funds too. The latest life insurance policy I purchased is based on the S&P 500, with an expected 10x return.