Being consistent in what you do goes a long way to making sure you can go through the ups and downs of any stock market but here are a few items to think about.
You need equities to give you the best chance of a better than inflation return year after year. The table here reflecting the average returns of sectors over a hundred year period till 2001 supports this. While the information may be over 10 years old it is a century of information smoothed out to an average, it cannot be far off even today.
Asset allocation is important and study after study shows this to be true. In the US, Ibbotson and Associates undertake regular analysis of the performance of various funds and found that a staggering 90% of the return could be attributed to asset allocation! Only 5% to actual stock picking, 2% to market timing and the remaining 2% was various factors bundled together. So focusing on asset allocation is the most important part of our job with you by far.