IMO. Depending on your investing style. If you are going for broad base index fund and wish to have a better entry point - the top down approach is more important. Macroeconomic set the overall market position. Bottom up is more towards individual stock picking.
I will spend the assurance package money this year by investing in myself with more investment knowledge. Explore further complex option techniques and use the Tiger app function to execute those complex option trade to further more investment returns
I think market has run up quite high this time of the year. It will take any chance of news to pull back before the Xmas rally by the end of the year. S&P500 will end with a positive note this year!! Ho ho ho