Interested. I cant see doing anything other than what has always worked. The problem I have with (what I perceive as) your logic is when to sell assets/move monies. You really never make or lose money until you lock in that gain or loss. I’ve weathered multiple downturns. The most recent was almost on par with the Great Depression. People were calling for a downturn/large adjustment last year. I have made a lot of money on my investments over the last year. Honestly interested.