There have been many comparisons of our current credit crisis to the Japan crisis of the 90′s and the ensuing “lost decade” in which equities returned essentially nothing after inflation and adjustments.

If you were to assume that the U.S. stock market is heading toward a “lost decade” then what is your investing game plan? Will buy & hold work in this condition? If you’re in your 30′s or 40′s and the plan is to buy and hold for the next 10 to 20 years then isn’t this essentially “market timing?”

How many people are going to re-balance their portfolio and asset allocation in this mess? I don’t see how reallocation will work anyway because all across the board: commodities, equities, real estate, bonds have all been trashed.

So I’m curious, what’s your game plan for a lost decade?