My brother or sister, invest in index funds, not the stock market. And then forget about it for 30 years or more until you retire. And then, if you invest in index funds, there will be ups and downs.
The trick is to stay the course because it has been proven that the price will always go up from when you started investing. And then, in 30 years or more, you will have a substantial amount of money for retirement.
It’s the Financial Times. Taxes are a cancer for them.