[jyl]

Some issues on which you'd want to to have an opinion, in making the decision:
- At what point are we, in the economic cycle.
- In past economic cycles, how did stock market behave from this point in the cycle.
- Do you believe historical economic or market patterns will, or won't, repeat in current cycle.
- Given market's current valuation what is potential upside and downside.
- What alternatives to market do investors have, that is more attractive and sufficiently liquid.