Hi Cayden,
It worked in recent years, but that is because the market was going up steadily and sometimes rapidly in many areas. I wouldn't recommend it now -- unless you've done your research and are willing to accept risk.

If you're looking for "safe" investments, then your rate of return will be low - because you'll be buying money market funds, CD's, Treasury Bills, and such. If you're looking for high returns, then your risk goes up.

If you can't afford to lose, don't take the risk.
Thank you
Christopher