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I never did "go all cash" in my IRA, which is self-directed in Fidelity. Yes, I probably should have, a year or more ago (don't we all wish we had?), but I monitor all my holdings daily and tend to move in and out of equities according to what my own DD suggests. Some I hold long term and others I basically just trade to grab profits. With very small commissions ($8 a trade) and no taxes to fret about in my IRA, I have more freedom than I would outside the IRA, of course.

I DID go more heavily into cash many months ago, like maybe 25 percent, but I have been back into mostly equities now for a few months. I have a mix of larger, supposedly "stable" stocks (ones that tend to pay dividends) plus a few "fliers" that look good.

Time will tell how things go, but I prefer individual equities, too, basically, to mutual funds.

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