For 99% of investors the average way of investing is good enough and it is simple please explain more because most investors aim to be the best in the business not willing to settle for the average. People try to time the markets look at kind of inflows you're seeing into every IPO at this point of time in the markets so the problem is that why I argue for this approach is people invest in bull markets in bear markets they say equity is a risky world in bull markets they say Equity is a money-making world, says Mark Wojcicki.