>If the market tanks for the next 5 years there will be better investment options than just sitting it out, not least of which would be that anyone with the ability to know the next 5 years must also, presumable, be able to call the bottom of the market during that time and hence time their re-entry into the market at the most opportune time. It is just sensational journalism.

I'm also thinking about what to do with the savings - money will lose value, but so will a few other things I have in mind. Now catching the optiminimum of these two while not seeing the curves beyond datetime(), is just equally aleatory as any other move. If we were prophets, we'd make money selling religion... but we aren't. So I guess it'll be just "bite the bullet and be ready for the bad news - take it easy, relax, it's all insignificant when seen against the Universe, neural tissue regenerates too slowly, don't waste it on just money... and if the good news come, just smile".