holding long term 5yrs plus is a very risky strategy if the mother of all crashes happen and u cant trade for 6months or better still they confiscate your account!! neth elections in march and french a few weeks after and they both want out of EU, IF THIS HAPPENS ITS DISASTER TIME FOR STOCKS, IF THEY RAISE RATES IN MARCH DISASTER FOR STOCKS,TAKE BACK WHAT U PUT IN FIRST AND THEN U CAN RISK THE REST,JUST MY THOUGHTS BUT MARK MY WORDS THE CRASH CANT BE STOPPED!!!