Absolute, understand that what dscher just put forth is pretty much a contrarian position to what the majority of economists believe. That’s not to say he’s wrong, but I think it’s important that you view whatever anyone posts on a sports message board with a high level of skepticism. If you’re really concerned, hire someone. They’ll dive into your particular fact sets rather than give you sweeping commentary that may or may not be applicable to you. And about whom you know little. We have no idea what dscher’s background is, if he’s good at what he does, etc. similar for all of you who don’t know me. So please don’t give anything said in here too much credibility. the danger with trying to figure out when to move to more conservative investments based on timing is that you probably don’t know when to do it - particularly in markets this volatile. With 500-2000 point swings potentially on a daily basis at present you can really damage your allocation.