Downvote because this isn’t unpopular, it’s plain wrong and financially bad advice - that if anyone takes will kill their retirement.

Short term it can be up and down (nonsense if you want), but long term over decades it’s the best way to invest your retirement money. And we need to since the demise of Defined Benefit pensions. With Defined Contribution “pensions” we need to save our money in vehicles that grow it.