As stated, I have an IRA with roughly $330,000 in it. 50% has been cash for 2 years, yet it has been slightly ahead of the overall market returns, as measured by the S&P. I have been in quality, high yield dividend stocks. The return is based only on the growth of the stocks without regards to the dividends, so actually probably a bit more. I think my average div yield is about 3.5%. There have been a few adjustments and call sells along the way, and that may be why I am slightly ahead of the general market. I have been kicking my self for not having been fully invested during what maybe the best few years for a long time. My worry now is are we running out of mojo, or not, but my feeling is we are close to an end to the run for these stocks. I am not a homerun hitter with stocks, but I am at a loss what the next group to start moving to, or maybe stay where I am at. Any thoughts?