I hope the stockmarket stays flat or goes down for the next 10 years. Dollar Cost Average baby. Why would I buy at the top thru my 401K? Stay low, low, and low, and I will buy, buy, and buy! I hate to max in my 401K when the market is hitting new highs. I need new lows for the next decade or so, and then a couple of bull markets after that would be good to cash out.Why is everyone so concern. I’d dollar cost average into the hardest hit sectors right about now. Not gold at this point. That is just chasing new highs. That kinda investing is for the birds. I have 60% of my non-retirement funds in cash so I may start nibbling on stocks as the implosion continues. Every 2 to 3 % down market is a beautiful thing!