Thank you for the advice. Much appreciated.Since I have recently payed off all of my credit cards my wife and I have made the decision to leverage the 45% loss avoidance back into the market at low points. Over the last few week I have moved funds from my (FedBX) fund to a S&P index fund (VIFSX).Generally, at the end of each session if the market is down 2% or more I have moved 25% from bond to index. So far I am 50 50 now. Since I still young enough to handle some volitility (38) I am not planning on catching the bottom but rather average down.I intend to keep at least 25% in bond funds just incase things get really terrible (Dow dips below 6K) God I hope that doesn't happen.
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