You shouldn’t pay any attention to any nay sayer , but I am betting that Microsoft will trade with a 4 handle next year , personally I just hold around 95 % of every stock I own , I am up 49 percent in Microsoft and 71 percent in CVS and 69 percent in NVDA my weakest position is JPM only up 11 percent I am up 59 percent in Apple , just buy and hold especially with companies that have a fortress balance sheet$Microsoft(MSFT)$ $NVIDIA Corp(NVDA)$ $CVS Health(CVS)$ $JPMorgan Chase(JPM)$ $Apple(AAPL)$