Everyone has heard of the ole Bait & Switch move. The conman tells you one thing and delivers another. This is my current mood with the stock market. The markets are telling investors that the best money-making strategy right now is to “hold tight,” and let the economic storms pass by. The switch is the missed opportunity in the future. If you stand pat in a volatile market, you will ride out the ups and downs, eventually. I have been having this conversation with clients a lot lately. This topic has been a non-starter for about 12 years now. It is really an amazing fact, the general stock market, comprised of the Dow Jones Industrial Average, S&P 500 Index, and the Nasdaq, increased 467%, 622%, and 1156%, respectively. No amount of stock-picking or risk management could hold a candle to those level of gains achieved by just holding the stocks within the main indices. People become complacent, they fear making mistakes, so it sounds like music to their ears when some supposed “expert” tells them to hold tight. Well, this is not the preferred strategy for our present times, unless you find yourself in a particular set of circumstances. It is an important question to restate, what makes you think that your life circumstances are the same as any other investor, and why do so many investors fall into line with a “one size fits all” approach? Your options, as today’s retail investor, are two-fold. You can either go with the crowd or make your own way. I am squarely in the latter camp, let us see what we can do with this information