Returns are difficult to predict. You want to own some fixed income at these yields because getting 4-5% in bonds is decent growth AND with yield this high it will pressure stock earnings. I’m thinking my diversified hedges will return between -2 and 7%. I expect stocks to return between -6 and 10. So I guess my returns will be between -3 and +8 for the year. Again, besides the bond expectations I really don’t think it makes sense to try and time being in and out of stocks very often. Time in the market tends to beat timing the market. I wouldn’t be surprised if stocks make -15 or +15 this year. Stocks are so hard to predict. I save enough where I’m content to lower my loss potential some since I know I will be contributing a lot of money and I don’t like to lose money.