Learn about it. I would recommend A Random Walk Down Wall Street [1] and The Boglehead's Guide to Investing [2]. They will give you a good primer, but in essence the best thing you can do it nothing at all. As you get older you'll want to make sure bonds take up a larger percentage of your portfolio, but really you're fine. The old sayings is "time in the market, not timing the market".
Sure it shows the algorithm beats a hold strategy in 8/10 instances...
...but the "hodlometer.com" domain was registered 3 days ago.
It's trivial to develop an algorithm by cherry-picking parameters that will give any desired results for historical data.
But there's vast research on how it's impossible to predict/beat the market like this in reality [1], and this site is obviously designed to prey on the uneducated and naive.
[1] For a good intro, see chapter 5 of "A Random Walk Down Wall Street" which talks about "technical analysis", which is exactly what HODLometer is doing -- https://www.amazon.com/gp/product/0393352242
Listen to this:
https://www.npr.org/sections/money/2019/01/23/688018907/episode-688-brilliant-vs-boring
Read this: https://www.amazon.com/dp/0393352242/ref=cm_sw_r_cp_apa_i_9PSjDbKQQF2MQ
Listen to this:
https://www.npr.org/sections/money/2019/01/23/688018907/episode-688-brilliant-vs-boring
Read this:
https://www.amazon.com/dp/0393352242/ref=cm_sw_r_cp_apa_i_9PSjDbKQQF2MQ
Listen to this:
https://www.npr.org/sections/money/2019/01/23/688018907/episode-688-brilliant-vs-boring
Read this: https://www.amazon.com/dp/0393352242/ref=cm_sw_r_cp_apa_i_9PSjDbKQQF2MQ
[1] - https://www.amazon.com/Random-Walk-down-Wall-Street/dp/03933... [2] - https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Lar...
...but the "hodlometer.com" domain was registered 3 days ago.
It's trivial to develop an algorithm by cherry-picking parameters that will give any desired results for historical data.
But there's vast research on how it's impossible to predict/beat the market like this in reality [1], and this site is obviously designed to prey on the uneducated and naive.
[1] For a good intro, see chapter 5 of "A Random Walk Down Wall Street" which talks about "technical analysis", which is exactly what HODLometer is doing -- https://www.amazon.com/gp/product/0393352242