"Greenspan is getting old and slow. He needs to be replaced with a computer chip."
You know that's really not such a bad idea. In fact I'd like to see a software program designed for the individual 401K investor that was based on an if, then, reactionary basis. If the the market does this, then adjust my portfolio accordingly. The problem right now is that no one really stays on top of thier portfolio and the majority of the fund managers require a 72 hour period to make changes. Bullsh!t. If the market was taking a big dump and your portfolio automatically reverted to money market until the trend reversed these fund managers would have to invest prudently or lose thier silly asses. You can buy a gun faster than you can shift monies in some funds.