Unfortunatlety I don’t think one can predict the tops and bottoms of both the stock and real estate markets…Everything cycles and you have to be well diversified in both camps and hope that the dollar cost averaging approach will leave you looking good when you hit retirement age… Things move very quickly as I remember from the correction of the mid 90s emerging market stocks, where profits were erased in a matter of weeks….Makes me feel uneasy about adding to my foreign positions like FXI (china ETF)….Can’t put all your eggs in one basket