Thanks for the thoughts Matt, well said! 

    I don't know the exact statistic but over the longer time frames, I know markets go up like 75% vs down maybe 25%. (just an observation) The downs happen fast and can be exciting and rewarding but much more difficult to time, from my experience.  There are more players on the upside when it comes to large trades like in 401Ks which don't usually give one an option to short. 

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