 You can only hold tight if you bought right, if you will. And that is to say, have an asset allocation that has something to do with how many years you have to accumulate money, how much resources you have at stake, how much income you need, and how much courage you have to ride out the peregrinations of the market. So you've got to take all that into account from that simple statement. That was John Bogle, and here is Creative Planning President Peter Malouk speaking on a once radical approach that is now commonplace.