Even if he&#x27;d done that he would be better off than using a savings account.<p><a href="http:&#x2F;&#x2F;dqydj.net&#x2F;sp-500-return-calculator&#x2F;" rel="nofollow">http:&#x2F;&#x2F;dqydj.net&#x2F;sp-500-return-calculator&#x2F;</a><p>Picking arbitrary dates to buy a lot of equities and then not selling them isn&#x27;t market timing; trying to trade repeatedly on the right dates is. That&#x27;s how you lose all your money.