...I lost money for 9 years on IF's...now they are in a way almost all 'if's' --- but this is the year that I only buy if there are multiple clear reasons too.
i.e.: AAPT AND ICPA I did my DD early enough, and when I did I bought and bought BIG.
I am cool with holding some powder for weeks and months for the next one. I have got burned too many times