Let’s take a look at this for a second. Stocks that are the most stable are financial institutions. Wells Fargo having to deal with fraud have basically not lost any of their value. Even T-Mobile is getting into the banking business with a 4% savings account. Apple doesn’t need to innovate, they just need to do what has been proven by other innovators. Samsung came out with a foldable phone, and now the problems are starting to reveal themselves. You can bet Apple will come out with a foldable phone in a few years after the flaws have  been resolved. Another example, look at Microsoft. Not innovators, but adopting word has been proven successful by other companies or industries.