With just 3 months left on the calendar, many investors are down on the year for one simple reason: nothing is really working. That leaves them only a short period to show a positive return, or at least a less-negative result than whatever index they track. To do that, many will have to make very specific and concentrated bets. It might be about equities generally – will they recover from the current growth scare? Or it might be asset allocation – will bonds finally go up on the year? For stock pickers, the key question is certainly “Play the winners, or look for laggards?” All we know is that with 69 days left to play catchup, time favors the fleet. And the bold.