A lot of times market surprise us. People rise and we forget. And so i think markets, as you said, all that information comes into price, and it's moving very quickly. But being an indexor is a factor in its own sure. I love the answer about dollar cost virs lump sum,. because will rogers, the humorist from the thirties, used to say, i do well in stocks cause i buy stocks and they go wat. If they don't go up, he says, i'm a momentum investor. It's just a question of, like, i don't think you necessarily have to load up on efenly can if you want divers

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