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5 Common Investment Myths Debunked: Separating Fact from Fiction

5 Common Investment Myths Debunked: Separating Fact from Fiction

5 Common Investment Myths Debunked: Separating Fact from Fiction

Mar 18, 2024

Mar 18, 2024

Mar 18, 2024

Blue Flower
Blue Flower

Introduction

Misinformation can prevent would-be investors from capitalizing on market opportunities. From believing you need a fortune to start investing to fearing that stocks are “just gambling,” these myths can hinder financial growth.

Myth-Busting

  1. “You Need a Lot of Money to Invest”
    Many platforms now allow fractional shares, enabling you to start with as little as USD 50.

  2. “Investing Is Gambling”
    While speculation exists, long-term investing based on fundamentals is driven by data and growth prospects.

  3. “Timing the Market Is Key”
    Consistency often trumps timing, as missing even a few rebound days can drastically reduce long-term returns.

  4. “Diversification Is Only for Big Portfolios”
    Even small portfolios benefit from a mix of assets to mitigate single-stock risk.

  5. “High Fees Mean Better Service”
    Many lower-cost or transparent-fee solutions can outperform higher-fee alternatives.

Supporting Fact

Dalbar research consistently shows that do-it-yourself “market timers” typically underperform simpler buy-and-hold strategies1.

How Surmount Wealth Does It Better

By educating investors on debunked myths and offering fractional and automated strategies, Surmount Wealth removes barriers to entry. Our transparent fee structure ensures you know exactly where your money is going, reinforcing trust and accessibility.

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How can this impact my business?
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Will we need to make changes in our teams?

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Surmount builds investment management software with the objective to provide investors with a more convenient & personalized experience

Quantitative Finance LLC ("QFL") is a wholly-owned subsidiary of Surmount Investments Inc, is an investment adviser registered with the Securities and Exchange Commission (“SEC”). By using this website, you accept our Terms of Use and Privacy Policy. Surmount’s investment advisory services are available only to residents of the United States in jurisdictions where Surmount is registered.
Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns [or probability projections] may not reflect future performance. Account holdings are for illustrative purposes only and are not investment recommendations.
The content on this website is for informational purposes only and does not constitute a comprehensive description of Surmount’s investment advisory services. Refer to Surmount's Program Brochure for more information. Certain investments are not suitable for all investors. Before investing, consider your investment objectives and Surmount’s fees. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested. Brokerage services are provided to Surmount Clients by Alpaca Securities LLC, an SEC registered broker-dealer and member FINRA/SIPC. For more information, see our disclosures.

† Surmount is an SEC-registered investment adviser. This does not imply any level of skill of training. Investing in securities always involves the risk of loss. Past performance does not guarantee future results, and opinions presented herein should not be viewed as an indicator of future performance.

* These are not, nor intended to be, a testimonial or endorsement of Surmount's services.

© 2025 Surmount Technologies, LLC. All rights reserved.

Surmount builds investment management software with the objective to provide investors with a more convenient & personalized experience

Quantitative Finance LLC ("QFL") is a wholly-owned subsidiary of Surmount Investments Inc, is an investment adviser registered with the Securities and Exchange Commission (“SEC”). By using this website, you accept our Terms of Use and Privacy Policy. Surmount’s investment advisory services are available only to residents of the United States in jurisdictions where Surmount is registered.
Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns [or probability projections] may not reflect future performance. Account holdings are for illustrative purposes only and are not investment recommendations.
The content on this website is for informational purposes only and does not constitute a comprehensive description of Surmount’s investment advisory services. Refer to Surmount's Program Brochure for more information. Certain investments are not suitable for all investors. Before investing, consider your investment objectives and Surmount’s fees. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested. Brokerage services are provided to Surmount Clients by Alpaca Securities LLC, an SEC registered broker-dealer and member FINRA/SIPC. For more information, see our disclosures.

† Surmount is an SEC-registered investment adviser. This does not imply any level of skill of training. Investing in securities always involves the risk of loss. Past performance does not guarantee future results, and opinions presented herein should not be viewed as an indicator of future performance.

* These are not, nor intended to be, a testimonial or endorsement of Surmount's services.

© 2025 Surmount Technologies, LLC. All rights reserved.

Surmount builds investment management software with the objective to provide investors with a more convenient & personalized experience

Quantitative Finance LLC ("QFL") is a wholly-owned subsidiary of Surmount Investments Inc, is an investment adviser registered with the Securities and Exchange Commission (“SEC”). By using this website, you accept our Terms of Use and Privacy Policy. Surmount’s investment advisory services are available only to residents of the United States in jurisdictions where Surmount is registered.
Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns [or probability projections] may not reflect future performance. Account holdings are for illustrative purposes only and are not investment recommendations.
The content on this website is for informational purposes only and does not constitute a comprehensive description of Surmount’s investment advisory services. Refer to Surmount's Program Brochure for more information. Certain investments are not suitable for all investors. Before investing, consider your investment objectives and Surmount’s fees. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested. Brokerage services are provided to Surmount Clients by Alpaca Securities LLC, an SEC registered broker-dealer and member FINRA/SIPC. For more information, see our disclosures.

† Surmount is an SEC-registered investment adviser. This does not imply any level of skill of training. Investing in securities always involves the risk of loss. Past performance does not guarantee future results, and opinions presented herein should not be viewed as an indicator of future performance.

* These are not, nor intended to be, a testimonial or endorsement of Surmount's services.

© 2025 Surmount Technologies, LLC. All rights reserved.