And, when out of the market, you don't get dividends. This is SUCH a huge thing. I just got one YESTERDAY that was RIDICULOUS! I'll even tell you what it is:
Fidelity Artisan Mid Cap
In one fell swoop, they paid out 8.03% of my total value in that fund. I'm not going to give you the total amount, but trust me, it is RIDICULOUS!
Man, people who don't invest or jump in and out of the market just have no clue.