Whether saving for retirement, or simply investing for the future, investors today cannot afford to stay 100% invested, 100% of the time. There is too much at stake. From December 31, 1999 to December 31, 2009, the S&P 500 Index produced a return of negative 24%. The traditional methodology of the “buy-and-hold, asset allocation” as taught by modern portfolio theory, is dead. As a result, millions of Baby Boomers have had to delay their retirement plans, due to the stock market’s negative impact on their investment portfolios.
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