Yes - well put :) i've had discussions on the credit crisis with another fellow buy-and-hold. And his view is even gloomier than mine :( I hope everyone IS preparing for the worse coz he paints a pretty ugly looking picture - food/fuel prices, credit crunch further unwinding, commodity demand dropping, all at the same time. Believe it or not - but he's backed it up by being completely in cash! But like you've said, given a different risk profile, the next 6-9 months could be good for accumulation - time will tell :D
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