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In Response to Individual Investors not in equities by retiredtraveler
MOst of the gains in any given year occurr in the 20 best days. If you are sitting on the sidelines, you are going to miss out. I have varied my investments by type (bond funds, ETFs and stock funds, but I never have had more than 20% in cash.
I will say that 2008 was really bad. But by mid 2012, I had regained it all.