"I still could have bought the EURO directly or gold and been better off then putting it some "international" fund"

Geez, with 20/20 hindsight, I could have invested in something 6 months ago and done better. And what's even more galling: 6 months from now, I'll be able to look back and find a number of investment instruments that will have done better than what I currently own or am buying. And, hell, the same is true 12 months from now, 18 months from now, etc. Please... won't someone tell me how to avoid this? Doesn't ANYONE have a crystal ball so that I always be on top 6 months hence, 12 months hence...?

Why does the world have to be this way??? (Wait, I know - it's Bill Clinton's fault. Isn't everything?)