All time highs for the stock or bond markets? Well, perhaps if you had been invested with me since 1999 or 2000 you would have seen all time highs because of our dodging losses in the rough years of 2000-2002.  This is true even after deduction of all fees and expenses. However, those investors who still cling to the “buy-and-hold-is-the-best-way to-invest” slogan pushed by Wall Street