This is quite embarrassing and at the same time amusing. My wife portfolio is 100% built upon my advice. Since she knows nuts about investing. My thoughts then is she should just buy and hold and not get worried about the movement in markets. She should also take less risk than me. For fun sake, I tabulate her returns for these 2 years, her CARG returns is 15%! Wow, much better than my active prospecting process! LOL. Why? There are two reasons. 1) when I feel that a company is fairly to undervalued, I will buy. And if it goes further below my purchase price, then I ask her to buy some. 2) while I do "switching", meaning selling stock that I believed has reached full value to buy cheaper alternatives, I never ask her to sell unless I think it is "super profits", or I think ......