Using a Passive Index Tracker in a Down Market

I like to sell people they pay me handsomely for doing very little we don't trade. I think it just outlines that even experts can't predict the future and if you sat there as a doctor thinking you're going to start trading stocks and shares and make a million pounds by Friday is incredibly unlikely. Once you realize in investing that nobody can predict the future, using a passive index tracker over the long term will deliver on your goals. If you've got all of the assumptions right then you build into that the what-ifs  what if the market crashed the day before I retired by 30% and never recovered? We do that exercise with everybody because that's a very realistic potential