"My main message over the columns I've written in the past couple of months is to ignore the fortune tellers and, if you invest in mutual funds or index funds, to steadily invest your long-term savings in equities -- personally, I'm a big fan of index funds -- regardless of how high the market seems[.] And, if you invest in individual stocks, my advice is to focus on the long-term futures of the businesses underlying the stocks you own or are considering buying."  MORE >>