AM,The problem is that it just kills me seeing that money sitting there day after day earning less than a half percent.Being "fully invested" despite all the council from the wise and many Fools isn't always in our best interest. It is always in the brokerage industries best interest. (Anyone else see the dilemma?) Of course if you attempt to make a rational argument with a dyed in the wool believer they will accuse you of market timing, label you as a "trader" and then feel validated in ignoring you.We have all been inundated with the advice to remain fully invested. The advice sneaks in even when we aren't paying attention. To quote Frodo "It would seem like wisdom but for the warning in my heart". This "cooling off" period I'll be taking will give me the chance to take a closer look at some of these as well as the bond funds I've been considering.This seems like true wisdom to me. Take the time to make a plan, so you have a plan to follow when the market or personal sentiment changes.jack
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