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<p>[QUOTE=&quot;GoldFinger1969, post: 2380077, member: 73489&quot;]Yes, but we don&#039;t STOP investing so you can&#039;t just assign an end point and by implication a fixed time period.&nbsp; The clock continues to tick. Individuals have to invest for as long as they are alive.</p><p><br /></p><p>Only if you have drastically overvalued or undervalued asset classes.&nbsp; Otherwise, you are timing the market and playing games.</p><p><br /></p><p><br /></p><p>No, you invest in perpetuity.&nbsp; You may change your asset allocation but you don&#039;t stop investing in stocks, bonds, CDs, etc.</p><p><br /></p><p><br /></p><p>Real estate was 5 standard deviations above FMV in 2007-08 (actually, the peak was mid-2006).&nbsp; The DJIA and S&amp;P 500 were a bit above FMV at the recent peaks. </p><p><br /></p><p>2000 was much worse because of large-cap and Tech.</p><p><br /></p><p><br /></p><p>No opinion, I buy when it gets super-cheap and avoid buying into panic upswings like 2011.<img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie8" alt=":D" unselectable="on" unselectable="on" /></p><p><br /></p><p><br /></p><p>Eventually contrarian plays work out -- but they can take a while to develop.&nbsp; The herd can be right a long time before the trend reverses.[/QUOTE]</p><p><br /></p>

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