In my super fund Im in 80% cash , was 100% , I have an allocated pension , now Im drawing out my monthly stipend and buying into shares , I will soon go back to 100% cash but will still topup in shares . Share prices going up/down mean nothing to me , only when I buy/sell ofcourse , more interested in getting in cheaply for the dividends . I missed part of the last rally but I did not lose anywhere near 50% but on a par for par basis Im ahead , still lost but ahead of where I would have been , infact my share trading has got me back to above zilch...they lose it , I make it. I will never ever give this turkeys license to lose my money again , I can do that myself , lesson learnt is no-one looks after your money better than you.........