So true! I personally don't take undue risk, especially where money is involved. I want to feel safe and secure but with just a tad of excitement. You can't grow investments if you don't take some risk, but risking it all in a completely volatile market spells disaster.
You have made lots of great points here!
Growth is key for many of us I think. I'd rather grow my investments over time than do the day trader, fast in and out thing. And the transaction fees are usually only levied when you sell, so that's another factor to consider.