I'm a retiree who in December 2012 began self-managing his retirement fund in a roll over IRA seeking higher returns in equities. My philosophy is to buy and hold large cap dividend growth stocks. This has worked well for me in this rising bull market, but I still have ended up with a substantial amount of cash that eventually I want to be fully invested. I believe in buy and hold, but I have found myself trading more frequently that I thought in order to refine my portfolio. This has resulted in owning several stocks that seem to be keepers into the future. I still need to keep looking for suitable stocks for using the cash on hand. But where is the correction? I'm tired of averaging up, and hoping that any correction will not go too far below my lower averaged cost basis. I am grateful for the education that Seeking Alpha and writers like Chuck Carnevale and his fast graphs have provided me.