Average Investor's Allocation

CPC invest in the stocks market since March 2009.
In June 2011 he holds RM 289 k in stocks + RM 133 k cash (which includes profit + dividends of RM 102 k). Todate he has sold and reduced his stocks to RM 234 k. His total gain incl. dividends is RM 117 k (ROI = 117/320 = 36 %). Approx. ratio stocks 2 : 1 cash

ALE holds RM 160 k + RM 80 cash (which includes profit + dividends of RM 42 k).
Recent selling saw the stocks holding at RM 152 k. Total profit incl. dividends slid to RM 39 k (ROI = 39/198 = 20 %). Approx. ratio stocks 3 : 1 cash

In comparison, my return incl. dividends = 25 % cf. to 33 % in June. Ratio stocks 2 : 1 cash