On what planet do you think a client will do this? Or their agent? We can't even get traditional UL clients to read their annual statements once a year, but we could get them to time the market? Warren Buffet isn't even that good, or he would have predicted the last decade of the market and dodged the mess. This is why the "Qauntitative Analysis of investor Behavior" (www.qaib.com) show us year after year that the index numbers (Dow and S&P) are total fiction, and the average investor NEVER realizes returns close to the performance of the indices. They don't for the same reason we see ao many ULs crashing... HUMAN BEHAVIOR.