The market position has to be directly compared to you age and need. Need the money in the next couple years, get the hell out of the market. Have enough money for the rest of your life and working on what to leave the kids? Let some of it ride. Retiring in 5 years? Set market limits. 10 years? Set more conservative goals. All of your assets tied to the market = not smart. 90% of the very rich people I know made their money in Real Estate. Some real bargains will be out there soon.