1. Century-long US stock statistics (30,000+ US stocks from 1926-2025): 57.8% of individual stocks underperform short-term Treasury bonds over their lifetime, with only a very small number of leading companies contributing all market returns; the median individual stock has negative long-term returns.

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2. QQQ (Nasdaq 100) directly packages the market's strongest tech leaders (NVIDIA, Apple, Microsoft, etc.), so you don't have to gamble on that 1% ten-bagger; for an ordinary person randomly picking one US stock, the probability of outperforming QQQ in the long run is less than 30%.

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3. SPIVA data: Over a 15-year period, 92% of actively managed US equity funds fail to beat the S&P 500, and retail investors' stock-picking win rate will be even lower than that of professional funds.