two points1)http://www.fool.com/investing/mutual-funds/2009/02/25/index-...An eye-opening new study from Standard & Poor's reveals that the majority of managed funds fail to outperform simple index funds.2)http://news.morningstar.com/articlenet/article.aspx?id=28194...We haven't reached 1982 valuations, let alone 1974 valuations.We still might have a way to go before hitting bottom.I feel your pain. I had hoped to retire early & coast til I was eligible for early social security at age 62. Now it looks like I'll be working those 4 years till age 62. Bummer.
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