Moby,

I don't want to be rude, but even a weekend trader would know that 8.3 percent is nearly 4 percent below the market average for a medium risk portfolio. If you are happy with 8.3 percent return on your investment, you might as well buy no-risk bonds or keep you money in the bank. That's hardly enough to keep pace with inflation this year and you'd be better off consuming that money than saving or investing it at such a low rate of return. Hell, my portfolio is up almost 25 percent in the last 12 months even though I have stock in major companies that have been losing value for a while now. I just diversify, look for up and comers, and I don't bail when a couple of stocks drop a few dollars.