... or you might lose money, too, if you're taking it back out that quick -- there's no law that says the market's going to be higher 5 to 7 years from now than it is now. It *probably* will be. But you need to be in the market for a long time to have something approaching certainty about gains. At fifteen years, you're almost guaranteed. But if you're going to really *need* that money five years from now, you might not want to be in the stock market at all. A lot of what people say on these boards -- about how stocks always go up and so forth -- only applies to money that you throw into the oven and leave to bake for fifteen or twenty years.