Meanwhile, the WBI is at an irrelevant 198.6. Many continue to indicate the market can go up by 2% each month, adjusted for the GDP, and do that either forever or for a substantially longer period than it already has. Consider me skeptical. While the markets have been excellent to me, I am working on moving a significant amount of cash into a business startup. This isn't a great time but I am ignoring the macro factors. I think I have found something that will do well during my retirement years, even if I ignore it for relatively long periods of time. The point being, I trust this market with most of our money but not all. I want to have something outside the market.