There's no magic, no need to time the market. A combination of picking the best funds and good asset allocation will yield you 16.7% per annum over 5 years. No kidding. Have a look. If an asset allocation model shows you only 10% per year, it's either the funds selected are not good, or the asset allocation is wrong. A good example of poor asset allocation is to put more than 40% into developed countries' funds like the USA, EU and Japan.
