[meditate89]

thremp- you may or may not be right. I've only held stocks for about 2 years, and right now my record is rather good- hopefully it will remain this good for the next 8+ years so I have a track record worth bragging about.

Could you please explain what you mean by a risk adjusted basis? Stocks are clearly much more risky than index funds, but is there any way you could quantify this risk for me? Are stocks twice as risky as index funds? 1.5 times? 5/10 times?!!? I feel that many of your comments just aren't specific enough to really add much value to the discussion... i'm not trying to call you out or anything, but every post i see of yours seems to be like 2-3 lines long- how can you possibly explain and articulate an important point?