I've been investing for 18 yrs, so I'm going to offer you some free advice. What you've experienced over the past 3 yrs has been, to borrow a old phrase from Rumsfeld, "merely a short slice in time." So, you say? During that time frame, the world was awash in liquidity. Your style of investing worked very well in this environment. Maybe the BoJ tightening (see Japanese money supply over past six months), along with Fed tightening matters to what you're doing, no matter how remote it may seem to you. Don't mortgage your house.