RE: RE: RE: RE: RE: RE: RE: RE: Call your Broker -My investment philosophy is a bit different. After stocks the market has been beat up some - and when people are then running for the hiils that's when I step in and buy. Vise versa, when people think things are rosy and can only go up.. that's when I'm selling. It is often very hard to do so, but I look at the percentage gains. I'm ok with sitting on cash when I've already made an ok gain - better than my RSP funds for sure :-P. My split on small vs large cap changes from time to time. Right now I'm quite overweight in small cap - yep, sounds crazy I know, but my RSPs are for low risk investments - my stock account: no risk, no reward. I don't day trade my longs. I will day trade the liquid large caps.. and have done quite well at it in the markets these past few months. (Of course all those gains have been chewed up by small cap losses - only fair to disclose that). I have most of my stock cash invested. It is a risk - but my sense is that things are slowly improving. And if I'm wrong - which is very possible - then I either cut my losses or hold out for the long run.