March 2007 was a downer for me...  Wifey want to switch everything to bonds start of 2007,  just to be safe,  it was our retirement $

2007 March I had lost 20%,  I said hang in there,  please don't shoot me..  then by Oct everything was up,  gained 20% over my losses...

My marginal funds kicked in, it was another lesson learned concerning investments,  one must think longer term...