I never said that it wasnt up to them...I said I would caution them to. Go take a look at the S&P500. Everything that you deem as "laughable" is truth. By the way the other 2 accounts are all in cash right now, but I am looking to enter bearish long positions on them. The one I withdrew is going to cryptos, gold, & silver (hard assets aside from crypto but thats a safe haven with inflation). Last year we were still in a bull market. This year it is quite different. "January effect" or not, that will not save anything in a bear market. Do you really believe that POTN will explode in a bear market? That is laughable. People go to safe havens during those times