[Uglyowl]

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I personally think the days of buy and hold are gone.

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I think you know better! [img]/images/graemlins/wink.gif[/img]

There are simply far too many people that don't know any better than to just throw $$$ into their 401K without any thought at all.

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Just as many people overthink their 401K's and put it into the flavor of the day.

I've seen to many times where a fund has had a great quarter and they swap out of the one that has solid 10 year performance.