Halloween — a month early, or how to survive a bad market.

It’s a little early for Halloween, but lets consider a scary year: 2011.  What’s so scary about 2011, you may ask?  The S&P index fund went up a whole 0.39%.  With a yield of about 2%, that’s a great return!  Right.  I bet you didn’t do nearly as well then.  I’m willing to bet you under performed that year, and looked like an idiot.  I certainly did.  Why?