I have been a self employed individual and fired myself 2.5 years ago. I have been trying to learn how to protect and grow a modest portfolio in order to provide an income for my wife and I. The last 1.5 years have been a concern as I have been mostly out of the market and have been using up capital . I have been flopping from a total return asset allocation investment policy to going to dividend income/value. I call myself EconStu because I am a student looking for guidance and despite a lot of effort have not found a solution. I had a written IPS using asset allocation along the lines of fundadvice ultimate portfolio but after reading Vitaly Katsenelson I became mindful that with potential sideways market that the buy/hold approach would not be as in the past. As I looked into this I read some of Ed Easterlings information at Crestmont where he talks about this being the time to row verse when in a secular bull where the buy and hold "sail" would work better.