It really depends on time horizons, if you have 20 years ahead of you, then putting every month (and it must be every month since an attempt of timing and then missing could surely get you into trouble) half in tips and half in four or five well managed funds (thus averaging input over the whole period), could be a good strategy. Even though, we may not be out of the woods in this bear, monthly inputs should put in enough at low prices where you get more shares and should give you better returns than treasuries. Starting some five to 10 years down the road, a new generation of exuberant investors will surely lift these to outrageous valuations again, and then some 15/20 years down there might be a point you may want to move to more conservative stance.
Zeev
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