Josh, Thanks for the link. As long as we our sharing our top secrets, the VIX over 40 has produced two great buy signals in Oct 98 and Aug 02. Ok, someone mix Josh's rule and mine and we have a near sure bet. For those who want simple, oakmark equity & income is biggest no brainer, high returns, lower risk, balanced fund with 10-Yr Annualized 11.58%: