@UncleRico77 curve inverted in Mar 19, when SP500 was 2700. It’s 3100 now. Market peaked at 3400. Let’s say I stayed out since Mar 19, and got in right at the bottom of 2250 in Mar 20, that perfect hindsight gave me a 15% better entry price, but miss a 25% rally.  I rather be buy and hold.