... I'm sure an AA plan would help investors who are quite "disciplined" but then I am not. Actually hardly. My current AA plan is quite simple 50/50 equities/fixed income. But then do I sell my bond fund (which is in a doldrum now) so I can buy more equities? I'm very tempted but then that 50/50 gets shifted. Or do I sell some of my equities instead as I know they'll recover. Those are industries that can withstand some whippings (which don't include big names either as I'm not a fan of those). Decisions, decisions, decisions ... and who said investing is easy ...