Even if I nailed the macro trends prediction, the Fed lowered interest rates, I cannot predict presidential tweets. Realistically, starting from the bottom you want to invest in low cost index funds.

VCs have a lot of capital to invest and only a few plays can make up for all their losses and then some. Most people cannot beat the market. I could spend all my time trying to squeeze out a few extra percent. However, I still would not know if I am a good investor with smart money or a dumb one who got lucky.

I can compound my investments historically around 10% per year. Including inflation puts the real dollar return at 8% per year. If I want more growth I really need to earn a higher salary. With a tighter job market, from lower interest rates and lower levels of natural unemployment, means switching jobs creates double digit raises. The trend in business is wage compression where people with more experience who continue to work for the same employer are only given inflation wage adjustments but never any real wage growth.

https://www.forbes.com/sites/cameronkeng/2014/06/22/employees-that-stay-in-companies-longer-than-2-years-get-paid-50-less/#6a133b87e07f

People should invest in index funds since they require no thought and do better than most managed investments. But this also frees up time to change careers and grow your income which is often easier to do, has a better return, and is under their direct control.

The excess income should go into index funds until someone can choose if they want to continue to work.

Index altruism might be a better strategy for most people too. If someone can identify a more altruistic charity that does more good then the efficient market hypothesis should quickly level the playing field. Maybe there is more smart money in investing that becomes dumb money when giving it away?