Volatility is a sure recipe for poor emotional decisions. One response is to try and time the fluctuations, hoping to make more from what seems to be a somewhat predictible up and down movement. Unfortunately, like a casino, more lose than actually win. Those that do win end up becoming overconfident, develop a taste for the excitement and eventually end up making less due to losses. Timing the markets is a losing game. With the Tax Free Flex Retirement Account you wont have to worry about volatility or loss of double digit gains, thus no more heart burn.