I beg to disagree: selling is for losers.

I beg to disagree: selling is for losers. Losers of their wealth, that is. Instead of selling for fiat and pay taxes on it, it is cheaper and better to go into debt using your assets as collateral.

The holy grail is not an algorithm, the holy grail is an ever growing asset (rate of growth faster than interest), so that debt/capital ratio diminishes over time without doing anything (the debt pays itself).

Heard about bitcoin, anyone?

(This is not advice, only my opinion)