HI Allan The market is obviously at a high now. Will it go higher? How far will it drop when it does? Which sectors will take the hit and which will benifit? Smoke is coming out my ears now as I try to ponder the above. How easy is it for you to answer? Why aren't you a billionaire yet? Is it because in trying to find the perfect investment you have made no investments? Anyone who says they can predict the market is either a fool or a lier. So I use Aim and hope to make 15% instead of 10% over time and I mostly use ETF's to avoid the risk of individual stocks going to zero. Not always Toofuzzy