This is fine and dandy in a 10 year bull market, but I don't think this is the solution for most folks. When the market turns south, money will fly to safety,

This is fine and dandy in a 10 year bull market, but I don't think this is the solution for most folks. When the market turns south, money will fly to safety, and then slowly expand over the following years. It's not going to be safe to invest in stranger's careers during a downturn.