You have a point. I did go into the Income fund of America, which is one of the more conservative choices. I don't doubt that I'm a bit early, what I'm trying to do is project 30 days down the road. I can't move more than $5,000 into a fund more than once every 30 days. That means I'm stuck in this trade for at least 30 days before I can sell. I've followed GB's strategy a few years and backtested it further back. The results aren't always instantaneous, they are always successful in due time. I've got about 22 years left before I hit 67 years old. That should be ample time. :-)
I do still take some comfort in having 70% in dry powder, should the need arise? Perfection was never my aim, profitable trades are.