<prompt> Human: fact 1: If you bought the SP 500 ten years ago today, youd have bought very near the top.fact 2:You would have bought prior to the Financial Crisis.fact 3:Total return 100  <response>: Itd be great if more people bought and held and stopped timing the market, but if last spring-ish was any indication...OMG market crashing Im pulling everything oout!!!1!!! Even from several posters in this subreddit. If your risk tolerance is that low your allocation should reflect it. 