While many do not believe it's true, timing the market is possible and its a skill. *Find good active managers that have a track record of positive returns and

While many do not believe it's true, timing the market is possible and its a skill. *Find good active managers that have a track record of positive returns and low losses.* While they did not beat the index in the last decade, I'm fairly certain they will going forward or more importantly minimize the drawdowns.