 And that's the problem with trying to market time is that when you try to time the market, let's face it, the smartest people on Wall Street can't successfully time the market much more than 50% of the time. So if that's what you're trying to do, there's just too good of a chance that you get out and then you get back in at a higher price. You end up overpaying for the same investment that you have now. And you don't overpay because, remember, the secret is buy low and sell high.