There are certainly people who find success in those prices points but it's roller coaster of a ride.

David recommends diversifying in Fixed Income and Real Estate Funds which are typically double digit returns and Fixed which is nice when the stock market roller coaster goes down.Best of luck, you seem to be doing your due diligence and putting together a plan that will work for you.

A "conservative insurance company".By summer/autumn 2008 each Sunday night was a roller coaster: which bank was going under, which clients would be impacted.