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Hot Sector
The Hot Mutual fund sector between 1980 and 2000 out of 7 sectors
has never been the top sector more than two years in a row. Two
year leadership is rare as it only happened 3 times in the last
20 years. High returns of specific sectors, don't last.
Retirement
Market Timing
Bear Markets
Bear market in 1990 took three months to bottom out.