Iam also contemplating holding cash 100% as we approach 2012. The question of course is when to cash in, probably in the 2nd or 3rd quarter of this year.
Even a 30% fall in prices is still sth to smile about- coz one will enter 2013 holding more units while maintaining the portfolio value.
Time is money, so money is time. Money saved is time gained in reverse! Money stores your life’s energy. You expend your energy, get paid money, and store that money for a future purchase made in a currency.