Yeah, well I was one of the people that actually took some money off to the side to be a little more cautious. But you know when I did that, it wasn’t significant enough to save my accounts when the markets declined…since when the markets declined the rest of my portfolio took a hit…at the same time, when the markets climbed fast, my portfolio didn’t climb as fast…Slow going up fastcoming down still…Story of my life….I should have just left things alone…

50-60% is impressive. I think my 1 year underperformed @ 27%

50-60% would have been nice. no early retirement for me…