>Had you "diversified" into it in February 2008 (just as Bear Sterns was imploding) you wouldn't have made your money back until 2013-2014 That's paper losses

>Had you "diversified" into it in February 2008 (just as Bear Sterns was imploding) you wouldn't have made your money back until 2013-2014 That's paper losses - unless you panic sold If you kept investing throughout that time, you'd be substantially further ahead than otherwise