Jub, I've thought the same as you a number of times. About two months ago I took a more conservative (or so I thought) approach to a portion of my 401K. The amount was well into six figures. Rolled it over from stock mutual funds into 3 different type bond funds. And yup, they too have gone down and down.
That said, Mike's Z06 advice still makes sense to me. Thanks Mike for the assurance.
Zipster
