Just look at the volitility of the market lately. This is not my idea of stability. Dip a toe back into the market after it’s shown a couple months of solid behavior. And even then, just a taste. And in another month, if it’s behaving, get some more….etc… at least this way, you’re not over exposed if it crashes. The odds of a lot more bad news coming in 2009 is about 90%, IMO. So be careful out there. The US$ is a great place to be right now despite how it may feel.