It's not about holding it for years as it not practical that you have an emergency situation and you are holding I don't belive in the concept that you have to hold it indefinitely until price increase if there are needs which has to be taken care of. I would rather says any emergency situation would be an exception and we should only invest the amount which we could afford to lose are which is not need for our survival as it shouldn't be like we are investing our grocery or bills funds to earn quick profit and market goes down and we are left in a miserable condition.