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<p>[QUOTE=&quot;losthomer, post: 2315355, member: 76769&quot;]I have heard that line of thinking frequently, keep 5-10% of the portfolio in pm. None of my investments are performing at the moment. My stock market returns have been worse then cash in the bank over the past 12 months, and cash in the bank has been equivalent to keeping it in your cash in the mattress since the savings rates are essentially zero. I keep parking most of my investment funds into stock funds. Am I confident in this plan? No. </p><p><br /></p><p>On the bright side, I haven&#039;t had to pay my credit union for the privilege of holding my money for me yet.[/QUOTE]</p><p><br /></p>

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