No. of Recommendations: 2
Year two is hands down the most difficult year in the four year cycle.

I once posted on what the most dangerous period of the four year cycle is. It may be good to look back on that. IIRC the end point is always around October 3rd or so of year two. In other words, if you want to know the lowest returns of the four year cycle you simply look back from that date six, nine, twelve, etc. months.

The point above, however, is that historical precedent often rhymes, even though it may not repeat. The goal is to improve one's odds, not predict the future.
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