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Investment strategies of long duration become habits, and it is difficult to change habits. One should not attempt to change habits or strategies on a whim. A change should be carefully considered. In weighing choices, the factors leading up to a decision are usually mixed. Further, the timing of both the decision and the execution of the change should receive the same level of thought. The reason there is a question mark in the title, is because it is a question some of our accounts are grappling with. I hope by opening the discussion I