Well, using buy and hold (I haven't used AIM except in tests yet, I plan on starting on January first with Split Safe), I'm up 7%-9% this year, so market hasn't been that bad. I made $7000 in one day on IBM when the 'Investment Idiots' sold off IBM because a DIFFERENT company reported slow sales. Watch for those irrational dips and you can make quite a bit awfully quickly.
I think a lot of people lose money simply by buying too high or buying companies that are a bit too risky. We're in a bear market, a huge one, and you need to think of it that way and accumulate shares in companies that are strong companies when the bull arrives.
Remember, you haven't lost a penny until you sell. :)
- Takr