http://finance.yahoo.com/q?s=^DJI&d=c&k=c1&a=v&p=s&t=my&l=off&z=l&q=l so i’ve had this theory since ’92 when i put my first dollar into a 401k plan – prior to 401ks (i.e., mass market consumer investors), the stock market contained dollars substantially from top 3% of the population, corporations,…