[l2ridehd]

Well lets see. If you had gone fully invested in March of 2008 you would almost be back to even. If you had done that in March of 2009 you would be up 90% now. Timing makes a big difference. There are basically only two ways to invest. Buy a few index funds that map to the total world market, determine your AA and stick with it through all ups and downs. Or try to buy and sell based on market conditions. Market timing does not work for 99% of investors. I am not smarter then all the other people working the market full time. So I assume the market is efficient and buy very low cost index funds that cover the globe, set my AA and stick with it. That forces you to sell bonds and buy stocks back in 2008 and right now has me selling stocks to buy bonds. Although I am not following my own plan 100% because I am only doing very short term bonds. Create your IPS, determine your AA and stay the course. Your returns will beat the market every time.