Stock Market is Wrong Place for Small Investors

I have been investing for years. A few things you learn from such experience are that the market rarely goes up this fast and this long, that it is time to run when everyone starts talking about happy times continuing -- all those "experts," and that it behoves you to ignore all those who say it is time to throw caution to the wind and get in now inspite of what appears to be an inflated market. This is an interesting time. All of the above is happening. Interest rates are historically high. And, it is only a matter of time, before the market suffers a big fall. I would get out now and enjoy the higher interest rates.

A lot of people, of course, are arguing that things are different this time. They did that before the tech buble burst too. A lot of others say there is just so much money out there that the market will continue to rise. A lot of people say a lot of things, and they have said these things over and over again. This is why the average investor has trouble figuring out what to do, and usually is caught short.

Market timing is impossible, but common sense is not. All the signs are there suggesting that if you are a small investor and if you can't afford to see your asset base decline, then it is time to start taking advantage quickly of those good and short term rates.