(Image Source | Freestocks.org & Pexels.com) One of the most difficult aspects of investing is taking the temperature of the average investor. The typical investor tends to follow the market with a lag. They generally do not buy a stock or mutual fund at the bottom. Rather, they buy after a trend is in place. This tends to work for a while if one buys in the middle of the cycle, but disastrous if one buys at the end of the cycle.