Pardon me, but with THIS market, you will find me hiding like a coward in AA-B rated bond-based mutuals.  I dumped virtually ALL my equities fifteen months ago, noting the trends NYSE was showing.  About the only equities we still own are those we can assure will not hit bedrock and watch them go splat.  But when that happens, we will gladly pick up your stocks, and hope that some of them survive to show a dividend.