Hi Ken, Re: Beating the market with just 80% invested....... Let's see, I think that means one must earn about 25% better than the market on the invested portion. That's a lofty goal! Just keep singing, "Our day will come" and all will be well. https://www.youtube.com/watch?v=NfnEoou-FKU and https://www.youtube.com/watch?v=mZOgP9PVhqQ